There are two ways to get a car loan: applying for a car mortgage and a car. These include:

1. Mortgage loan means that the borrower mortgages the car to the bank, but the borrower can still use it. If the borrower fails to repay the debt on the repayment date, the bank will take the mortgaged car away for auction, and the proceeds from the auction will be used to repay the debt;

2. Car means that the borrower pledges the car to the bank, but during the pledge period, the borrower cannot use the car.

If you have a car in your name, to learn more about how to get a loan, please visit: See More.

Do you have a car to mortgage?

Cars are collateral recognized by financial institutions and can be used to apply for mortgage loans. However, cars are consumables and wear and tear every year. Therefore, if you apply for a loan with a car as collateral, the loan period and loan amount will be limited to some extent. Common collateral is generally real estate, which belongs to real estate, and financial institutions have higher recognition of real estate than cars.

Of course, as long as the user's car meets the mortgage conditions, it can be used to apply for a mortgage loan. Compared with credit loans, the amount of mortgage loans will be higher.

Extended information

Mortgage classification

Bank mortgage loan

1, personal housing loan

1, personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a self-operated loan in which a natural person with full capacity for civil conduct buys a self-occupied house in the urban area of this city, and the purchased property house is used as collateral. Repay the loan. And apply to the bank for commercial housing loans.

2, personal housing provident fund loans

Personal housing provident fund loans are entrusted loans issued by policy housing provident fund. Refers to the workers who pay the housing provident fund in the urban area of this city and purchase, build, transform or overhaul their own houses. The housing provident fund loan applied to the bank is used as a guarantee for repayment of the loan.

3. Individual housing portfolio loans

All borrowers who meet the requirements of commercial loans for individual housing pay the housing provident fund at the same time, and apply to the bank for personal housing provident fund loans at the same time when applying for commercial loans for individual housing, that is, the borrowers will use the purchased urban self-occupied housing as collateral. You can apply to the bank for personal housing provident fund loans and personal housing commercial loans at the same time (this loan method is called personal housing portfolio loans).

2. Enterprise mortgage loan

Enterprise loan target: small and medium-sized enterprises in good operating condition in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 to 65.438 billion yuan.

Basic requirements:

1. Holding a loan card issued by the People's Bank of China, with no bad credit record.

2. The company has been registered and operated for 1 years, with an annual turnover of more than 3 million in the previous year.

The comprehensive interest rate handling fee is generally between 8%- 14%.

How does automobile mortgage get a loan?

If you want to put your automobile mortgage, you must first ensure that you meet the requirements of the vehicle mortgage loan before you can apply:

I. Borrower

1, at least 18 years old, with full capacity for civil conduct.

2. Have a valid local residence status (permanent residence booklet or temporary residence permit can be provided).

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Second, mortgage the vehicle.

1 is a non-operating vehicle under my name.

Some banks and lending institutions may allow vehicles to be mortgaged in the name of others to apply for loans, but the written consent of the owner must be obtained, and the borrower needs to issue a certificate of relationship with the owner.

2. It is best to have a local license.

Vehicle mortgage loan involves vehicle mortgage registration procedures and needs to be handled at the vehicle management office where the vehicle is registered. And if the mortgage is a vehicle with a license plate in a different place, then you need to go to the vehicle management office in a different place to go through the vehicle mortgage registration procedures, and the process will be more troublesome.

3. The car has enough value space.

Generally, the newer the car, the greater the value space. Also, it is best not to use the car as any collateral. After all, the value space of secondary mortgage vehicles will be relatively small, and the loan amount that can be obtained will naturally not be very high, and not all banks and lending institutions support secondary mortgage.

4. The service life and mileage of the vehicle are within the range specified by banks and lending institutions.

Different banks and lending institutions may have different regulations. For example, the owner loan of Ping An Bank stipulates that the service life of the mortgaged vehicle shall not exceed 10 year and the mileage shall not exceed150,000 kilometers (specifically, you can call the customer service staff of banks and lending institutions).

After confirming that the above requirements are met, customers can apply for vehicle mortgage loan according to the following procedures:

Step 1: Loan application

Prepare personal identity card, local household registration book or temporary residence permit, proof of economic income (such as bank card running water), vehicle driving license, vehicle registration certificate and other related materials, go to the business outlets of selected banks or lending institutions to find staff to apply for loans, take a loan application form at the counter and fill it out, and submit it together with the information you carry.

Step 2: Review and Evaluation

After accepting a customer's loan application, the bank or lending institution will begin to review the information submitted by the customer, and inquire about the personal credit report to understand its credit status, and will arrange an evaluation agency to evaluate the specific value of the mortgaged vehicle. After the approval result comes out, a message will be sent to inform the customer. If the approval is passed, the loan amount will be approved.

Step 3: Sign the mortgage.

After receiving the approval notice from the bank or lending institution, the customer should sign a loan contract at the business outlet in time and go through the formalities of vehicle mortgage registration at the local vehicle management office.

Step 4: borrow money

Banks or lending institutions will issue the loan funds to the designated collection bank card in the name of customers, and generally receive the loan within one month. If the loan is delayed due to busy business, tight quota and other reasons, it is recommended to wait patiently (if the waiting time is too long, you can take the initiative to call customer service to ask about the specific progress).

Please note that different banks and lending institutions have different loan methods to handle vehicle mortgage loans:

1, riding a bike

The parking method needs to really put the car in a bank or loan institution. After completing the mortgage formalities at the vehicle management office, the customer will drive the car to the parking place designated by the bank or lending institution for safekeeping (the car can only be retrieved after the subsequent loan is settled).

2. The pledge certificate does not pledge the car.

You can continue to use the vehicle normally without taking the vehicle. Just go to the vehicle management office to register the vehicle mortgage and put the vehicle registration certificate in the bank/lending institution (you can get the vehicle registration certificate back after the subsequent loan is settled, and some banks and lending institutions will mail it directly).

3. Don't detain the car or card.

You can continue to use the vehicle normally, you don't need to park the car, you don't need to get a license plate, and the vehicle registration certificate is still in the hands of the customer, so you don't really need to put it in the bank or lending institution. However, it should be noted that some banks and lending institutions may require the installation of positioning devices on vehicles (positioning devices can be removed after subsequent loans are settled).

How to use automobile mortgage?

I. Conditions for applying for automobile mortgage

1. Applicants are required to be 25-55 years old and currently have a stable income;

2. The vehicle certificate under its name is complete and there is no guarantee at present;

3. For the mortgaged car. The bank requires the car to be less than 5 years old and the journey is less than 80,000 kilometers;

4. The current appraisal value of the mortgaged car is 70,000 yuan, which is good.

These are the conditions for bank car loans. In addition to meeting the basic conditions of bank car loans, borrowers also need to prepare complete loan-related materials. The more complete the better, in order to better handle the car mortgage.

Second, car mortgage needs information.

1. Invoice when buying a car and other certificates when buying a car.

2. Driver's license and automobile property certificate.

3. Copy of the owner's ID card.

4. Master contract and vehicle mortgage contract.

5. Proof of mortgagee and mortgagor.

6. The car is parked at the loan company.

Three. Automobile mortgage process

1. The lending institution receives the information provided by the applicant;

2. Conduct home visits, surveys and vehicle value assessments on the applicants;

3. The loan amount initially reserved by the lending institution;

4. Handling entrustment notarization and loan notarization;

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

6. Go through the mortgage registration formalities.

7. Loans

Four. .

In any of the following circumstances, the registered vehicle shall not be mortgaged.

1. Vehicles sealed up, detained and supervised according to law.

2 vehicles that have reached the standard of automobile scrapping in China.

3, overdue inspection or unauthorized modification of vehicles.

4. The customs supervision period has not expired.

5. The service life of the mortgage expires and reaches the scrapping standard.

6. Vehicles with mortgage registration.

7, the army (armed police) production and operation of vehicles for retaining soil hanging local number plate vehicles.

8. The obligee of mortgaged property is a state organ.

9. Other vehicles that cannot be mortgaged according to law.

The above is the car mortgage process. The bank will evaluate the applicant. Whether you have the ability to repay the loan on time, whether you have good credit in the bank and whether you have a stable job are the basis for the bank to evaluate the applicant. If the car is used as collateral, the bank will also evaluate the car. The purchase time, mileage and purchase price of the vehicle will all affect the loan amount.

How to borrow automobile mortgage?

Bank mortgage loans can be divided into car mortgage loans and used car mortgage loans. These two kinds of mortgage loans will have different loan conditions and loan quotas under different circumstances, so how to borrow bank mortgage loans? The specific loan operation process can be viewed separately.

How to borrow automobile mortgage?

1. Personal car bank mortgage loan

1. Apply for a loan and fill in the application form;

2. Submit personal ID card, household registration certificate, income certificate, car purchase intention certificate, car purchase down payment certificate and other relevant application materials;

3. The bank shall investigate and review the submitted data;

4. After approval, both parties sign a loan contract and a guarantee contract;

5. Handle relevant notarization and mortgage registration procedures as appropriate;

6. The loan shall be directly transferred to the dealer's account by the bank.

Second, personal second-hand car bank mortgage loan

1. Before applying, make sure that the owner is the lender himself, the mortgaged vehicle is free, and the vehicle documents are complete;

2. Apply for a loan from the bank and fill in the application form;

3. Submit ID card, household registration certificate, income certificate, vehicle registration certificate, vehicle driving license, driver's license and other related materials;

4. The bank shall investigate and review the submitted data;

5. After approval, evaluate the mortgaged vehicle and determine its value;

6. Determine the amount of vehicle mortgage loan, such as signing a loan contract to evaluate 60% of the vehicle value;

7. Handle relevant notarization and mortgage registration procedures as appropriate;

8. Issue loans and transfer the loan funds to the bank card account designated by the lender.

The above is about "How to handle mortgage loans for bank cars". I hope I can help you.

Apps that can borrow money if they have a car don't look at credit information.

Apps that can borrow money if they have a car recommend Amway car loans without looking at the credit report. The company just doesn't look at the credit report and doesn't go to the credit report. The fees are transparent, clearly marked and paid in full. Need money badly? Find a safe way! You can get a loan if you have a car!

The handling process in automobile mortgage is not complicated. First, the lending institution will inspect and evaluate the vehicle, then the lending institution will give the loan amount according to the value of the vehicle and the actual situation of the customer, and then the lender will choose the loan product according to its own needs (loan cycle, car parking, etc.). ), and the two parties will sign a formal contract, go through the corresponding procedures, and the lending institution will lend money and manage after the loan. Automobile mortgage is a short-term loan method, which is still relatively mainstream in the market at present, mainly because it is fast and convenient. There are many companies doing car mortgage in the market, so it is recommended to find some big brands that are more reliable.

Want to know more about car mortgage, it is recommended to consult Anmeitu car loan. Anmeitu is formal and reliable, with low threshold. If you have a car, you can borrow it. According to the different needs of consumers, tailor-made low-interest capital solutions. Professional one-on-one service, reasonable and transparent fees, clearly marked. Relieved and reliable, the mortgaged vehicle is stored in an all-weather safe closed room. You can do it without a car, and you can manage it if you get the money. Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang all have offline direct stores.