Car mortgage does not mortgage the car, which means that the borrower mortgages the vehicle registration certificate and driving license to the loan bank without mortgaging the car to the bank, thus obtaining the loan funds from the bank. After the loan is successful, you can still use the car, but the loan bank will install GPS in the car and remove it after the loan is paid off.

Chengdu automobile mortgage conditions without parking spaces:

1. The applicant must be between 20 and 60 years old and have full capacity for civil conduct;

2. The applicant has complete ownership of the mortgaged vehicle;

3. The applicant has a fixed job and residence in Chengdu;

4. The applicant has the ability to repay the loan principal and interest on time;

5. The applicant has good credit data and cannot have bad credit records;

6. Other conditions required by the lending bank.

There are four points to pay attention to when handling non-parking loans.

1. The applicant has repayment ability.

Unsecured loan is a product of automobile mortgage. Although it is a mortgage loan, you can't get a loan if you have a car, and the applicant needs to have a certain repayment ability. At present, most loans that don't take a car are repaid with equal principal and interest, which is suitable for applicants with relatively stable income. Therefore, if the applicant does not have a certain repayment ability, it is likely to be overdue and the loan company will bear the risk.

You can apply in the bank.

The first reaction when people apply for a loan is to go to the bank. You can apply for a loan without taking a car. However, the bank loan processing cycle is long, and the applicant's credit requirements are very high, so it will be very difficult to handle.

Many people will choose lending institutions to apply for car loan products when they do not meet the conditions of bank loans. Therefore, as long as the applicant has good qualifications, it is possible to apply for car loan business in a loan company.

3. Need to install GPS

When applying for a loan, we all heard that the car would be equipped with a positioning device. Many applicants will worry that it will affect the use of cars. In fact, don't worry, installing GPS only locates the position of the vehicle and will not have any impact on the vehicle.

In addition, not all vehicles must be installed and positioned. If the applicant is qualified and can apply for a bank loan, then there is no need to pretend. It is generally necessary to install GPS in the loan business handled by the loan company.

4. Some vehicles cannot be applied.

If there is a serious vehicle accident or engineering vehicle, you can't apply for a car mortgage.

Can I repay the loan without taking a car in Chengdu?

Most bank car mortgage products can be used without parking. You can go to Lv Qing, the WeChat applet, to find out first. Lvlv has 99% bank loan products on the market, which gives you a clear understanding of all kinds of loan information.

Do I need to take a taxi to apply for a car mortgage in Chengdu?

You can go through the mortgage registration formalities, and you don't need to put your car in the bank. If the owner of a motor vehicle mortgages the motor vehicle, he shall apply to the vehicle management office at the place of registration for mortgage registration; If the mortgage right is extinguished, it shall apply to the vehicle management office at the place of registration for cancellation of mortgage registration.

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Automobile mortgage refers to a way for car owners to apply for loans from banks and other lending institutions with their purchased cars as collateral to obtain funds. Generally, they can ask for a loan channel for car mortgage conditions without taking a car as collateral.

(1) The lender has a stable job in the local area and has proof of repayment ability recognized by the lending bank;

(2) The automobile is highly mobile, and the loan amount generally does not exceed 70% of the appraised value of the house;

(3) An effective description of the purpose of the loan.

(4) The lender is a natural person aged 18-60;

(5) Other requirements of the lending institution.

The following conditions shall be met for handling automobile mortgage without stopping:

1. The borrower has full capacity for civil conduct;

2. The procedures for using the car as collateral are complete;

3. The borrower has good personal credit and the ability to repay in full and on time;

4. The borrower has a fixed residence and a stable job and income.

What are the conditions for car mortgage without taking a taxi?

Conditions for bank car mortgage not to pledge car:

1. The applicant owns the local mortgaged vehicle, has a stable income, has a proper occupation and has the repayment ability;

2, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice;

3. Insurance policy, travel tax and relevant tax payment certificates for imported vehicles;

4. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers);

Personal vehicle mortgage loan process:

1. The applicant applies to the lending institution;

2. The applicant will investigate and evaluate the value of the vehicle according to the applicant's materials;

3. Lending institutions customize the loan amount according to the lender's information;

4. Handle relevant formalities and entrust notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. After the audit is completed, the lending institution will issue the loan to the borrower.

What should I pay attention to when handling auto mortgage loan?

1. You need to install a global positioning system. If you don't take a taxi, you need to install a GPS satellite positioning system, and this fee needs to be paid by the borrower. Generally, the installation cost of GPS system is about 1200 yuan without a car. The price of each belt mechanism is different.

The borrower should be able to repay the loan, not that you have a car. In addition to providing a car, you need a stable income and good credit. Borrowers must have good repayment ability before they can apply for loans.

It is not easy for banks to handle it. Of course, the bank will say that there is such a business, but in fact, it will be very difficult for you to handle it. Because cars are consumables and depreciate rapidly, many banks do not apply for car mortgages in order to control loan risks. The best way for borrowers is to handle it directly through local loan companies.

4. Some vehicles do not stop and it is not easy to apply for loans, such as operating vehicles, trucks, buses, engineering vehicles and vehicles under the company's name.

Let alone the introduction of automobile mortgage into Chengdu.