Is it reliable to pawn a car mortgage?
It is more reliable to choose a regular pawnshop to handle vehicle mortgage. However, the following points should be noted:
(1) Choose a regular pawnshop: Choose a pawnshop that is registered with the administrative department for industry and commerce, has complete procedures, has a certain scale and has a good reputation.
(2) Understand the expenses of pawn shops: When signing a pawn contract, clearly understand the expenses of pawn shops to avoid excessive expenses.
(3) Handling mortgage registration: When handling pawn procedures, you should handle vehicle mortgage registration procedures.
(4) Disposal of vehicle residual value: When signing a pawn contract, the method and time for disposing of vehicle residual value shall be negotiated with the pawnshop.
Introduction of pawn car mortgage process
(1) Check the certificate, true or false: your own certificate and the certificate of the vehicle.
(2) Vehicle price evaluation: The pawnbroker inspects the model, condition, date of manufacture, mileage, current price, collision, damage, interior condition, etc. of the new car from various aspects to determine the pawn ratio and amount.
(3) Negotiation amount: If the evaluation is too low, it may not be able to meet the needs of car owners, so the pawn mortgage business cannot be carried out. And the evaluation is too high, if the customer is not well managed, it can't be redeemed in time, so the price is suitable for both parties to pawn.
(4) Signing a contract: When signing a contract, a pledge registration form is required. The pawn company should reach an agreement with the owner on the amount, duration and cost of the car in advance before signing the contract.
(5) Receipt of the pawned vehicle and payment of the pawned money: the pawnbroker will hand over the pawnbroker's application form which has been approved by the Classic Review Committee, and the pawnbroker will pay the pawnbroker's money after the classic pawnbroker's signature and the account manager's review;
(6) Renewed pawn: If the pawnbroker proposes to renew the pawn, the accountant will fill in the certificate of renewal after clearing the interest and expenses of the pawn.
(7) Redemption: When the pawnbroker pays off the principal and interest of the pawn, the accountant will check the authenticity of the pawn ticket. The pawnbroker shall show his identity card for inspection, and the agent shall show his agent's and pawnbroker's identity cards and the original power of attorney. After the accountant checks it correctly, he will inform the keeper to bring the materials and take the pawnbroker to the parking lot to pick him up.
The above is an introduction to the relevant contents of pawn car mortgage. As long as you choose a regular pawnshop, understand the expenses of the pawnshop and go through the relevant procedures, the vehicle mortgage code is also a safe and reliable way to borrow money.