Cars are collateral recognized by financial institutions and can be used to apply for mortgage loans. However, cars are consumables and wear out every year. Therefore, if you apply for a loan with a car as collateral, the loan period and loan amount will be limited to a certain 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 individual 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 takes the purchased property house as collateral. Repay the loan. And apply for a commercial housing loan from the bank.

2, personal housing provident fund loans

Personal housing provident fund loans are entrusted loans issued by policy housing provident fund. Refers to the employees who pay the housing accumulation 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 to repay 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 operating well in industrial and commercial registration.

Term of enterprise loan: generally, it is 1-5 years.

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

Basic requirements:

1. Hold the loan card of China People's Bank and have no bad credit record.

2. The registered operation of the company has exceeded 1 year, and the annual turnover in the previous year exceeded 3 million.

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

Can I apply for a car loan if the owner's loan is rejected?

If the loan is rejected, Ping An car owners cannot apply for a car loan. According to relevant public information, Ping An Bank's application conditions for car loan first require that the individual is between 22 and 60 years old, has a good credit record, can provide legal and effective identification and has a stable job or legal income source, which is a requirement for the applicant, while the requirement for mortgaged vehicles is that the car age should be less than or equal to 10 years. Moreover, the mileage traveled should be less than or equal to 6.5438+0.5 million kilometers, the vehicle value should be more than or equal to 50,000 yuan, and the non-operating vehicle under my name has been licensed for more than three months or less. Only when the applicant and the applied vehicle meet the above application conditions can they get the car loan from Ping An Bank. The application can be made through the following channels.

If my credit is bad, can I mortgage my car loan?

If the credit is not good, you can use automobile mortgage, but the pass rate will be reduced. The pass rate of bad credit information in automobile mortgage is not very high, because bad credit information will have an impact on automobile mortgage, but whether it can be used as automobile mortgage depends on the borrower's credit information report. If your credit information is not good, but you want to apply for a car loan, you can provide your own work certificate and good bank flow to prove that you have the ability to repay on time. It is best to unlock how the overdue records on the credit information come from.

Although bad personal credit will reduce the chances of successfully applying for a loan, it is not impossible to get a loan. For example, a strict bank is not an applicant who rejects all bad credit records. For friends who occasionally have short-term overdue, they also borrow money.

In addition, due to the collateral in automobile mortgage, the risk of lending institutions is less than that of credit loans. If the applicant does not have a very serious bad credit record, the lending institution will also pass.

In addition, it should be noted that any lending institution will consider the applicant's loan qualification from many aspects, not just one of them. If the applicant's credit is not very good, it can be made up by other means.

If the overdue period is serious, you cannot apply for a vehicle mortgage loan. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.

Automobile loan requirements:

To apply for automobile mortgage, you must also meet the loan conditions. Taking the "vehicle mortgage loan" of a loan company in Beijing as an example, the loan conditions are as follows:

1. Age requirement: 22-60 years old.

2. License plate requirements: Beijing license plate

3. Car age requirements: the longest is no more than 5 years.

4. Valuation requirements: The valuation of bare cars exceeds 654.38+ 10,000.

5. Usage requirements: non-operating vehicles; Other requirements: The vehicle is currently unsecured.

To apply for automobile mortgage, you usually need to bring your identification and relevant materials of your car.

Generally speaking, with collateral, the credit requirements for borrowers will not be so high. As long as the borrower does not have a serious bad credit record, it will generally not be rejected. Of course, people with bad credit records can apply for automobile mortgage.

Can I get a loan if my credit card is overdue?

Under normal circumstances, you can apply for a loan from the bank if your credit card is overdue. Although there is a car as collateral, the bank will ask you to repay the overdue loan first, and then approve the loan according to the actual situation.

Car mortgage conditions:

1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.

2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.

3. automobile mortgage that can provide guarantee measures recognized by the lending bank.

4. Open a savings account in a loan bank.

5. Willing to accept other conditions stipulated by the lending bank.

According to the degree of overdue credit, it can be roughly divided into the following two situations:

1. Only one or two credit cards are overdue.

Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first situation mentioned above.

Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, some banks can enjoy preferential treatment when applying for loans, so choose the bank with the lowest interest rate.

2. The credit card is overdue for three consecutive times or six times in two years.

Generally speaking, banks will refer to the number of overdue loans in the past two years when approving mortgage loans. Under normal circumstances, if one spouse fails to repay the loan three times in a row or six times in total, they will not be able to get the loan.

It should be pointed out that the meaning of three consecutive overdue repayments is, for example, the repayment period of a sum of money is one month, and there is no repayment for three consecutive months; And accumulated six times, if overdue once, also; The overdue happened again, and it happened six times.

If the cardholder forgets to repay, apply for timely repayment. Timeliness repayment refers to the cardholder's repayment within three days after the latest repayment date, which can be counted as timely repayment and will not be recorded in the personal credit record after the deadline.

If the cardholder repays the loan after the time allowed by the bank, he should immediately submit a "non-malicious overdue certificate" to the bank and apply for cancellation of the overdue record. It is also feasible, provided that the amount is not too large.

Usually, bad credit records will be kept by the central bank's credit information center for 5 years, and will be deleted after 5 years. However, once the credit stain occurs, even if it is unintentional, it cannot be eliminated within 5 years, so please pay attention to your credit history.

Pay attention to overdue credit cards. As long as the loan is repaid in time, there are 13 situations that will leave a bad record in the eyes of the bank and affect the loan:

1. The credit card has been overdue for three consecutive times, totaling six times.

2. The monthly mortgage payment is overdue or unpaid for 2 to 3 months.

3. The monthly car loan payment is overdue for 2 to 3 months or unpaid.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges were not paid on time.

6.tx appears on personal credit card.

The behavior of.

7. The student loan is in arrears.

8. If the Sleep Credit Card is not activated, it will still generate an annual fee. If you don't pay, you will have a negative credit record.

9. Credit card overdrafts and mortgage loans are not repaid on time.

10. When providing a guarantee for a third party, the third party fails to repay the loan on time.

1 1, and the personal credit report will also record some court economic judgments. Therefore, economic disputes such as debt will also affect credit records.

12. Mobile phone charges are linked to bank card charges. If you don't go through the relevant procedures after stopping using the mobile phone, it will be overdue because you haven't paid the monthly fee, and it will also cause bad records;

13. Credit card arrears records are generated by others using their own ID cards or copies of their ID cards.

The above 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank. In addition, if the borrower's loan repayment is overdue or credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it happens occasionally and not for a long time, the bank will still give preferential treatment. But in some cases, if it is overdue for more than three times, it will affect the loan.