1. Apply for deferred repayment.
Although the interest rate is high, the immediate effect of raising funds is a remarkable feature of automobile mortgage. Based on this, most borrowers who favor this method will turn short-term funds to the direction of choice. Users' loan preferences are concerned by some experienced lending institutions. Due to the short loan period and heavy repayment pressure, some credit products (such as CreditEase-Cheyi Loan) provide a way for borrowers to postpone loans, which not only relieves the worries of unpaid loans and vehicle mortgage, but also avoids the embarrassment of borrowers encountering late fees.
2. Cash withdrawal by credit card
If the credit loan has the shelf of "not everyone can get close to it", then the credit card withdrawal has taken a completely different civilian route. Cardholders can withdraw money at any time without applying, as long as they need it. However, it must be known that the maximum withdrawal amount on the day of credit card withdrawal is 2000 yuan. If it is withdrawn in batches, the limit can only reach 50% of the credit line at most. In the final analysis, it depends on different people whether the mortgaged vehicle can be untied. Since credit card withdrawal is a small loan, it is naturally difficult to say that it is interest-free, so the cost of capital is still a point that cannot be bypassed. Interest is calculated on a daily basis, and the daily interest rate is 0.5 ‰ of the cash withdrawal amount, which is equivalent to the expected annualized interest rate of 18%.
Apply for a credit loan
For the sake of risk control, it is always difficult for banks to be interested in vehicles with rapid depreciation and low valuation, so they stay away from auto loan business and give non-bank financial institutions the opportunity to act as exclusive spokespersons. Fortunately, most of these spokespersons have only superficial contact with the central bank's credit information system, and their relationship is not close enough to cooperate. Therefore, the loan relationship between borrowers and them is usually not shown in the credit report, which invisibly leads to the opportunity of multi-head loans. Speaking of this, it goes without saying that many people want to find a way, that is, because there is no obstacle to the title of "negative second generation", as long as your personal qualifications are acceptable and you have good personal credit and stable repayment ability, you can successfully obtain a credit fund to fill the hole in the loan.