1. Can the vehicles affiliated with the transportation company be used as mortgage loans?

No, you are not the car owner and you do not have the original vehicle formalities.

You also do not have the original ID card of the car owner.

You cannot obtain a mortgage loan.

2. Can company vehicles be used for mortgage loans?

For cars under the company’s name, the company’s legal person can use the vehicle to apply for mortgage loans. The vehicle is used as collateral to apply for a mortgage loan. Since the vehicle is a consumable item, the loan amount is usually not too high and the loan term is not very long. However, there is no problem in applying for a loan from a bank as collateral. If you want to apply for a loan with a higher amount and a longer loan period, you will need to use other collateral as collateral. Of course, the collateral must also meet the bank's requirements. In addition, if your personal income is relatively high and you do not have excessive debt, you can also apply for a large loan.

Extended information: The requirements for applying for a car loan are as follows: 1. The applicant must be over 18 years old and must have full capacity for civil conduct, but some places require the applicant to be over 23 years old. For the above, please consult the staff for details. 2. Have a stable career and the ability to repay the principal and interest of the loan on time. 3. The personal social credit is good, there should be no signs of frequent credit inquiries within a short period of time, and other loans or credit cards under the name are not overdue. 4. It is best to have a stable place of residence in the location where the loan is taken. 5. Other conditions specified by the cooperative agency. The difference between a car owner loan and a car mortgage loan: A Ping An car owner loan is a loan that only requires the vehicle registration certificate as collateral, while a car mortgage loan is a loan that does not pledge the car or install a GPS. Both can be used for personal consumption or business, but the difference The main reasons are: 1. Loan amount: The car owner loan loan amount ranges from 30,000 to 500,000 yuan; the car loan loan amount ranges from 50,000 to 500,000 yuan. 2. Application conditions: The car owner loan requires that the borrower's age must be between 22 and 60 years old (inclusive); it must be a non-operating vehicle under his own name and has been registered for 3 months; the vehicle's service life must not exceed 10 years (based on the first registration) registration date), the driving mileage does not exceed 150,000 kilometers; the vehicle’s certified value × loan ratio is not less than 30,000. The car loan requires the borrower to be between 25 and 55 years old (customers who purchase performance insurance can relax to 22 to 60 years old); have a fully paid car and no mortgage; the vehicle purchase should not be more than 7 years old (based on the first time) The vehicle registration date shall prevail), the driving mileage shall not exceed 120,000 kilometers; the vehicle’s appraised value shall be more than 70,000 (inclusive). Collection of cars overdue for car loans: Different banks or lending institutions may have different regulations, but basically they will stipulate in the loan contract that if the loan is not repaid for more than 3 consecutive months, and the overdue nature is egregious, the company will be forced to Execute the auction. At the same time, other assets under the name may also be frozen and disposed of. It can be seen that if a car loan is overdue for more than three months, the car may be repossessed. Therefore, after buying a car with a loan, you must remember to repay the car loan on time. If it is overdue, it may just be a collection at first, but once it is overdue for more than 3 months, the nature will be different. It is likely to be regarded as maliciously overdue by the bank or lending institution. When the time comes, not only the car will be repossessed and auctioned , personal credit will definitely be greatly affected. Therefore, even if you can't afford the repayment at the moment, you should take the initiative to negotiate instead of turning a blind eye to the reminder.

3. How much mortgage can a company’s vehicle have?

To apply for a loan in the name of the company, you can use your car as collateral, but you need to meet some conditions:

1. The company has independent legal personality and is registered with the Administration for Industry and Commerce. Enterprise

2. The car is in the name of the enterprise

3. Only the legal person or shareholder of the company has the right to handle vehicle mortgage loans on behalf of the enterprise.

Enterprise car mortgage loan application materials

The materials required for mortgage loans for company-owned vehicles are:

1. Legal person ID card

2 , Company business license

3. Company organization code

4. Tax registration certificate

5. Capital verification report

6. Person in charge ID card (if the person applying is not a legal person)

7. Company seal

8. Motor vehicle driving license

9. Motor vehicle registration certificate

Generally, the discount is 70%.

4. Company cars can be used as mortgage loans

Investment management, asset management, investment consulting, investment consulting and other limited companies can do this.

The process of registering a company:

1. Name verification by the Industrial and Commercial Bureau (usually 3 working days, if the name is the same, the time is uncertain)

2. Bank opening Apply for capital in the temporary deposit settlement account and go to the accounting firm to apply for the capital verification report (usually 5 working days)

3. Go to the Industrial and Commercial Bureau to make an appointment to apply for a business license (7-10 working days)

4. Go to the Quality and Technical Supervision Bureau to apply for the organization code certificate (3-5 working days)

5. Then apply for the tax registration certificate at the Taxation Bureau (3 working days)

6. Finally go to the bank to open a basic account. It will take at least 7 working days for approval from the People's Bank of China.