With the vehicle registration certificate of the automobile (commonly known as the "Green Paper", which is the proof of the property right of the automobile, similar to the "household registration book"), the customer can directly apply for a loan from the bank, and apply for a mortgage loan with the vehicle registration certificate as collateral; Of course, you can also apply for mortgage loans from other licensed consumer finance institutions. Many banks and loan companies use mortgage cards instead of cars to provide mortgage loans. Customers can contact customer service for consultation before handling.

Just what everyone needs to pay attention to is that cars are movable property after all, which devalues quickly and is easily affected by traffic accidents. Therefore, whether it is a bank or a loan company, customers can use the vehicle registration certificate as collateral to borrow money, and the loanable space will not be particularly high, about 50% to 80%.

After the loan is issued, customers should pay attention to using the funds for the specified purposes and remember to repay them on time. After paying off the loan, you need to issue a loan settlement certificate at the bank (loan company), get back the registration certificate of the mortgaged vehicle, and then go through the mortgage formalities.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."

1. Loan security is the primary problem faced by commercial banks.

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time.

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.