With the rapid development of car loans, vehicles purchased by stages are also included in the scope of mortgage loans, so even vehicles purchased by stages can apply for mortgage loans. However, the vehicles mortgaged by installment cars are different from ordinary vehicles. Mortgage loan by installment car is mainly based on installment car repayment, which is a common car loan in the market. The applicant can provide the car loan agency with the car information of buying cars by stages, and the car loan agency will evaluate the applicant's identity information, vehicle information and repayment situation, and then issue the loan amount to the applicant according to the evaluation results. However, the interest of this loan method is relatively higher than that of ordinary loans. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Bank mortgage. Personal housing loan 1. Personal housing commercial loan is a self-operated loan issued by bank credit funds. It refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the property house he purchased as collateral when purchasing the urban self-occupied housing in this city. 2. Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by policy housing provident fund, which refers to the housing provident fund loans that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as collateral to repay the loans. 3. Personal Housing Portfolio Loan A borrower who meets the requirements for personal housing commercial loans can apply for personal housing provident fund loans from the bank at the same time as paying the housing provident fund, that is, the borrower can apply for personal housing provident fund loans and personal housing commercial loans from the bank with the urban self-occupied housing purchased in this city as collateral. Ii. Enterprise mortgage loan Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration. Term of enterprise loan: generally 1-5 years. Enterprise loan amount: generally 500,000 ~ 1 100 million yuan. Basic requirements: 1. Hold a loan card issued by the People's Bank of China, and have no bad credit record. 2. The company has been registered and operated 1 for many years, with an annual turnover of more than 3 million in the latest year. The general interest rate and fee combination is between 8%- 14%. Mortgage trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan). The financier takes the real estate mortgage as the guarantee of the trust loan. The interest rate plus handling fee is generally around 18% per year. Real estate trust "REITs", literally translated as real estate investment trust, also known as real estate investment trust, originated in the United States. REITs are generally divided into three types: stock, mortgage and hybrid. Pawnshop Mortgage Pawnshop refers to the act that pawnbrokers mortgage their real estate to pawnbrokers, pay a certain percentage of fees and interest to obtain pawnbrokers, and pay interest and fees to pawnbrokers within the agreed time limit, repay pawnbrokers and redeem pawnbrokers. The interest and expenses add up to about 3% per month. Vehicle mortgage Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower or a third party's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term. With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day. Mortgage of real estate mortgage refers to the RMB loan in which the borrower mortgages the purchased commercial housing, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large-scale durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.

Second, can the family car be mortgaged?

You can pull the goods, but don't exceed 380 kilograms, otherwise it will damage the car.

The car can completely pull the goods, provided that it does not affect the driver's observation line of sight, and the weight of the whole car does not exceed 380 kg (the usual maximum load of the car). Of course, the pulled goods can't go outside the car.

Third, can the car be mortgaged?

Cars are collateral recognized by financial institutions. However, cars do wear and tear to some extent. Therefore, if you apply for a loan with a car as collateral, the loan period and loan amount will be limited to some extent. Common collateral is generally real estate, which belongs to real estate, and financial institutions have higher recognition of real estate than cars.

Of course, as long as the user's car meets the mortgage conditions, it can be used to apply for a mortgage loan. Compared with credit loans, the amount of mortgage loans will be higher.

Extended information

Mortgage classification

Bank mortgage loan

1, personal housing loan

1

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a self-operated loan with purchased property housing as collateral when living naturally in a house with full civil capacity. Repay the loan. And apply to the bank for commercial housing loans.

2, personal housing provident fund loans

Personal entrusted loan. Refers to the deposit of housing provident fund in the urban area of this city, and the purchase, construction, renovation or overhaul of housing provident fund loans as repayment.

3. Individual housing portfolio loans

All borrowers who meet the conditions of individual housing commercial loans apply for individual housing provident fund loans from banks at the same time, that is, borrowers apply for housing provident fund loans and individual housing commercial loans with urban self-occupied housing as collateral (this loan method is called individual housing portfolio loans).

2. Enterprise mortgage loan

Enterprise loan target: small and medium-sized enterprises in good operating condition in industrial and commercial registration.

Enterprise loan

Enterprise loan amount: generally 500,000 yuan to 1.

Basic requirements:

1. Holding a loan card issued by the People's Bank of China, with no bad credit record.

2. The company has been registered and operated for 1 years, with an annual turnover of more than 3 million in the previous year.

The comprehensive interest rate handling fee is generally 8%- 14%.