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The first is to handle the institutions in automobile mortgage. Although banks are the focus of people's mortgage loans, banks will not accept such loans because of the characteristics of rapid depreciation and easy wear and tear of cars and the consideration of risk control.

The second is whether you need to mortgage your car when you apply for automobile mortgage. This is measured according to the loan amount. If the amount is large, you can put the car in a lending institution; If you need to use the car for commercial purposes at the same time, then replacing the car with a car is also an option.

The third is the amount and duration of automobile mortgage. If the loan is made in the form of mortgage loan instead of mortgage loan, the amount will be about 80% of the vehicle valuation; If the vehicle is mortgaged, the maximum amount can reach 90% of the vehicle valuation. No matter what form it takes, the term generally does not exceed three years, and some institutions can extend it to five years according to specific circumstances.

The fourth is the condition of automobile mortgage. If the vehicle is used as collateral, the customer is between 20 and 60 years old and provides valid identification, and the vehicle is in the borrower's name; If you choose mortgage instead of mortgage, the lender should be between 20 and 60 years old, the vehicle should be owned by the lender, and the lending institution should have a fixed residence, stable work and income in the service area.

Second, how to charge for car loans?

The mortgage method of auto loan is as follows:

1. Car owners use their own vehicles as collateral to apply for mortgage loans from banks or other financial institutions.

2. Submit my valid ID card, driver's license, vehicle registration certificate, driver's license and other relevant materials to the handling bank/lending institution, and drive the mortgaged vehicle to the designated assessment center for vehicle damage assessment and determine the assessment value.

3. Banks/lending institutions shall determine whether their comprehensive credit level is up to standard according to the information submitted by users and the inquiry of their personal credit reports. If it meets the standard, it will eventually give the corresponding limit according to the vehicle evaluation value.

4. Sign a loan contract with a bank/lending institution, handle mortgage registration and other related procedures before lending (note that some lending institutions may require the installation of GPS positioning).

After the loan is processed, as long as the principal and interest of the loan are repaid in installments on time according to the agreed repayment plan. After the loan is fully paid off, you can apply for the mortgaged vehicle registration certificate at the bank/lending institution, and then go to the vehicle management office to learn about the mortgage procedures (please remember to delete it if there is GPS positioning).

Iii. What about automobile mortgage in the residential area +03 1

At present, if you have a car, China Merchants Bank has relevant channels to apply for a car owner loan. The current car is required to be paid in full, and there is no loan. You work in China Merchants Bank, so you don't have to stop to install GPS. You can borrow money in real time for up to 3 years and up to 300,000 yuan. You can choose the repayment method of equal principal and interest, interest first and principal later.

Fourth, how to handle car loans?

In China, banks generally do not provide automobile mortgage services, and it is generally necessary to find private professional credit institutions to apply for such services.

Car loans are divided into two forms: parking and non-parking. Escort the car, give it to the company for safekeeping, have a parking lot dedicated to storing the car, have a special person to look after the car 24 hours a day, and regularly light and heat the car.

Customers can choose not to pick up the car, just hand over the formalities to the company, and the car is still for their own use. They need to apply for mortgage registration, and the loan business is flexible and fast.

Generally speaking, the amount can reach 70-80% of the assessed amount. Generally, the loan can be released on the same day when the formalities are complete. Vehicle mortgage loan is compulsory, and vehicles under personal name, vehicles with full payment and vehicles with complete procedures are all within the service life.

It is more convenient for customers to go through the formalities of car inspection, go to the vehicle management office for car mortgage registration, sign a loan agreement and lend money. After all, the car can still be used by itself, but the interest will be slightly higher than that of the car directly mortgaged.

But the interest rate will be slightly higher than that of directly mortgaged vehicles. The applicant must meet the following conditions, have a stable occupation, have the ownership of local mortgaged vehicles, and live and work in the city for a long time.

You need to show your motor vehicle registration certificate, driving license, purchase additional tax certificate, car purchase invoice, insurance policy, vehicle and vessel tax, tax payment certificate related to imported vehicles and ID card.