The process of bank mortgage car loan can be consulted directly at bank outlets. Usually users provide relevant information, including motor vehicle registration certificate, driving license, valid ID card, car purchase invoice, purchase additional tax certificate (original), insurance policy, etc. After submission, the bank will evaluate the vehicle, and the user can apply for a loan within the evaluated amount.

Automobile mortgage process:

1. Apply for a loan from a lending institution and submit corresponding qualifications.

2. The lending institution conducts home visits, surveys and evaluates the applicant's vehicle value and repayment ability.

3. The loan amount initially reserved by the lending institution.

4. Notarization of mortgage cancellation right.

5. Lending institutions temporarily withhold the applicant's driver's license, insurance policy and other documents.

6. Go to the vehicle management office for mortgage registration.

7. loans.

Information needed to apply for automobile mortgage:

1, valid proof of the owner's identity. For example, ID cards, household registration books.

2. Vehicle ownership certificate. Including automobile driving license, vehicle purchase surcharge certificate, road maintenance fee payment certificate, insurance documents, vehicle and vessel use certificate, company quota certificate, etc.

How to borrow automobile mortgage?

Bank mortgage loans can be divided into car mortgage loans and used car mortgage loans. These two kinds of mortgage loans will have different loan conditions and loan quotas under different circumstances, so how to borrow bank mortgage loans? The specific loan operation process can be viewed separately.

How to borrow automobile mortgage?

1. Personal car bank mortgage loan

1. Apply for a loan and fill in the application form;

2. Submit personal ID card, household registration certificate, income certificate, car purchase intention certificate, car purchase down payment certificate and other relevant application materials;

3. The bank shall investigate and review the submitted data;

4. After approval, both parties sign a loan contract and a guarantee contract;

5. Handle relevant notarization and mortgage registration procedures as appropriate;

6. The loan shall be directly transferred to the dealer's account by the bank.

Second, personal second-hand car bank mortgage loan

1. Before applying, make sure that the owner is the lender himself, the mortgaged vehicle is free, and the vehicle documents are complete;

2. Apply for a loan from the bank and fill in the application form;

3. Submit ID card, household registration certificate, income certificate, vehicle registration certificate, vehicle driving license, driver's license and other related materials;

4. The bank shall investigate and review the submitted data;

5. After approval, evaluate the mortgaged vehicle and determine its value;

6. Determine the amount of vehicle mortgage loan, such as signing a loan contract to evaluate 60% of the vehicle value;

7. Handle relevant notarization and mortgage registration procedures as appropriate;

8. Issue loans and transfer the loan funds to the bank card account designated by the lender.

The above is about "How to handle mortgage loans for bank cars". I hope I can help you.

How to apply for mortgage loan?

1, apply. If you are going to use your car for mortgage loan, you should first prepare the corresponding information and apply to the loan bank. Fill in the loan application form and fill in the corresponding information when applying.

2. Review the materials. After receiving the information of the loan applicant, the bank will review the information submitted by the loan applicant according to the internal requirements of the bank, but the review will inform the loan applicant of the specific reasons, and then inform the applicant to proceed to the next step after the review is passed.

3. Evaluate the vehicle. After the data is approved, the loan audit will entrust the corresponding vehicle evaluation agency to evaluate the vehicles submitted by the loan applicant, and the evaluation fee will generally be paid by the loan applicant.

4. Determine the quota. After completing the vehicle value assessment, the bank will determine the loan amount for the loan applicant according to the assessed price of the vehicle.

Step 5 go through the formalities. After determining the loan amount, go through the loan procedures according to the bank's loan requirements. The specific procedures may be different for each bank, depending on the whereabouts of the lending bank.

6. Conduct notarization. After the loan procedures are completed, the loan contract of both parties needs to be notarized, and the notary office will issue a notarial certificate, which will be put together with a set of loan materials and kept as files.

7. Admission documents. After the notarization is completed, the loan bank will provide the relevant information of the mortgaged vehicle, such as the original motor vehicle registration certificate, according to the corresponding requirements.

After the above procedures are completed, the bank can issue loans to the applicant according to the contract. After the loan is paid to the applicant's account, the whole automobile mortgage process is completed.

How to borrow bank vehicle mortgage loan

Users who want to apply for automobile mortgage should:

First of all, you need to consult the bank about what information you need to apply for automobile mortgage, and then make an appointment to apply for a loan. At the appointed time, the lender carries relevant loan materials, fills in the loan application form and submits the materials and forms to the bank. After examination, the bank thinks that the user meets the loan conditions, and will let the user go through the formalities of vehicle mortgage registration, and then sign a loan contract. Finally, the bank will lend money according to the contract, and the user can repay it on time after receiving the money.

How to borrow automobile mortgage?

To apply for automobile mortgage, follow the following procedures:

Step one:

Prepare personal ID card, vehicle driving license, vehicle registration certificate and proof of economic income (such as bank account, deposit receipt) and other related materials to apply at the outlets of banks/lending institutions, and ask the counter staff to collect the loan application form and fill it out, and then submit it together with the materials.

Step two:

The bank/lending institution will review the data, arrange an evaluation institution to evaluate the value of the mortgaged vehicle, and then make a decision on whether to approve or disapprove the loan, and inform the customer of the result (the loan amount will be approved after approval).

Step 3:

After receiving the notice of the approval result, if the approval is passed, bring your personal ID card to the bank/lending institution outlet to sign the loan contract, and go through the vehicle mortgage registration formalities at the vehicle management office.

Step 4:

Amount of loans issued by banks/lending institutions.

We need to pay attention to the following automobile mortgage methods:

1. Escort the car: that is, drive the mortgaged car to the parking place designated by the bank/lending institution for safekeeping, and then drive it back after the loan is paid off.

2. Pledge the car with the certificate: you don't need to pledge the car at the bank/lending institution, just go through the mortgage formalities at the vehicle management office and pledge the vehicle registration certificate at the bank/lending institution.

3. No parking, no licensing: the car does not need to be parked in the bank/lending institution, and the vehicle registration certificate can also be placed in your own hands, but it may be necessary to install a positioning device on the car (it can be removed after paying off the loan).

In order to successfully handle the vehicle mortgage loan, the following conditions must be met:

1. At least 18 years old, with full capacity for civil conduct;

2. Maintain good credit, and there is no bad information record in the personal credit report;

3. Have a stable and legal economic income and a certain repayment ability.

4. The mortgaged vehicle has sufficient value space, and its service life and mileage meet the requirements (the requirements of banks/lending institutions may be different, please call customer service for details).

How to borrow a mortgage loan?

1. You can apply for mortgage. As long as your car is purchased through formal channels, you can submit an application for car mortgage to the bank to solve the capital demand.

2. automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. At present, the main purpose of car-guaranteed loans is car consumption. Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage.

Legal basis: Article 22 of the Regulations on Motor Vehicle Registration stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply for mortgage registration in dmv, the place of registration. Hold the motor vehicle registration certificate, the identity certificate of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, and affix the official seal of the unit in the relevant window.

1. The lending institution receives the information provided by the applicant; 2. Conduct home visits, surveys and vehicle value assessments on the applicants; 3. The loan amount initially reserved by the lending institution; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities. 7. Loans

So much for the introduction of bank loans and mortgage loans.