When applying for loans, car owners often consider using their own vehicles as collateral to apply for large loans. But after all, cars need to be used as collateral, and many borrowers will have some concerns. Online car loan platform is difficult to choose, which platform is good for car mortgage loan? Car owners, don't miss these!
Which platform is better in automobile mortgage?
1, 58 car loan
58 Car Loan is a vehicle mortgage loan platform under 58 Finance. The maximum application amount is 80,000 yuan, and the longest repayment period is 12 months. The borrower needs to provide the registration certificate and driver's license of the certified vehicle before applying. Don't want a car or a card, but the value of the car can't be less than 1.2 million yuan.
2. ICBC personal car loan
China Industrial and Commercial Bank's mortgage loan product is a regular bank's automobile mortgage loan, which is issued to customers who apply for buying their own cars. The loan model can be divided into "direct customers" and "indirect customers", that is, first apply for a car loan from ICBC and then go to the dealer to buy a car, first go to the dealer to buy a car and submit the loan application materials, and then the dealer forwards it to ICBC for approval.
The maximum loan amount can reach 80% of the car purchase price, that is, the minimum down payment is 20%, and the longest loan period can be divided into five years. The minimum loan interest rate shall not be lower than the loan market quotation in the same period, that is, the LPR interest rate.
3. Alipay Auto Finance
Alipay has many small loan products, and Alipay auto finance is one of them. Alipay Auto Finance is an auto mortgage platform under the Ant Group. As long as the borrower has a car under his name, he can authorize Alipay and then apply for a car mortgage. The maximum loan is 300,000 yuan. Although it is automobile mortgage, it does not pledge cars and certificates, but applies for loans with the credit of the owner.
The above is the related content sharing of "which platform is better for auto mortgage loan", and I hope it will help everyone!
Reliable automobile mortgage platform? Try these three.
At present, there are many personal micro-consumer loan platforms on the market, but most of them do not support car loans or mortgages. Therefore, for people who want to apply for a loan to buy a car, there are many directions and they don't know where to choose. Generally, 4s stores will also provide vehicle mortgage services, but the loan fees charged in the middle are not transparent enough, and they are always uneasy. Then, let's give you a brief introduction of several reliable automobile mortgage platforms.
Reliable automobile mortgage platform
First, JD.COM auto loan.
1 is a vehicle mortgage loan service launched by Jingdong Finance and Cooperation Agency, and the specific service provider is the cooperation framework of Jingdong Finance;
2. The vehicle purchase shall not exceed 10 years, subject to the date of first registration, and the mileage shall be less than10.5 million kilometers;
3. The loan process is: online application-online approval-vehicle inspection and mortgage-loan signing;
4. The application age is limited to 23-55 years old, the maximum loan is 750,000, and the longest loan can be divided into 48 installments, with the annual interest rate starting from 65,438+00%.
Second, Ping An car owners' loans
1, a subsidiary of China Ping An Group, is a trustworthy brand with online application and one-stop service;
2. The loan process is: fill in the contact information-Ping An customer service contact-submit the materials for approval, and apply for the loan on the same day as soon as possible;
3. The maximum loanable amount is 750,000 yuan, with the minimum annual interest rate (simple interest) 10%, 0 service fee and no GPS.
Three. Icbc personal car loan
1, a mortgage loan product of China Industrial and Commercial Bank, is a formal bank car mortgage loan, which is issued to customers who apply for buying their own cars;
2. The loan model can be divided into "direct customers" and "indirect customers", that is, first apply for a car loan from ICBC and then buy a car from the dealer, first buy a car from the dealer and submit the loan application materials to ICBC for approval;
3. The maximum loan amount can reach 80% of the car purchase price, that is, the minimum down payment is 20%, and the longest loan period can be divided into five years. The minimum loan interest rate shall not be lower than the loan market quotation in the same period, that is, the LPR interest rate.
The above is a reliable automobile mortgage platform. It is recommended to choose a car loan or a bank car loan with a big brand background, which is more formal.
Which platform is better in automobile mortgage? Finally solved
Many users who want to buy a car go to the bank to apply for a car loan, but they are rejected because of credit information or other reasons. After being refused a loan by the bank, many people don't know where to apply for a car loan. Many borrowers have consulted, which automobile mortgage platform is good? Finally sorted it out!
Which platform is better in automobile mortgage?
1, Alipay Auto Finance
Alipay has many small loan products, and Alipay auto finance is one of them. Alipay Auto Finance is an auto mortgage platform under the Ant Group. As long as the borrower has a car under his name, he can authorize Alipay and then apply for a car mortgage.
According to user feedback, the annual interest rate of Alipay auto finance is about 18%, and the maximum loan is 300,000 yuan. Although it is automobile mortgage, it does not pledge cars and certificates, but applies for loans with the credit of the owner.
2. Ping An car owner loan
Ping An Car Owner Loan is a automobile mortgage platform under Ping An Pratt & Whitney, which requires borrowers to be at least 265,438+0 years old and at least 55 years old. The longest service life of the vehicle is not more than 5 years, and the vehicle valuation is not less than 80,000 yuan. The vehicle must be a family car with less than 8 seats and a non-operating vehicle.
When applying for a loan, users do not need to pledge their cars or certificates, but only need to provide auto insurance policies to apply directly. Users can apply for a maximum loan amount of about 80% of the vehicle value. You can apply for a car mortgage directly from the store online, or you can choose to download an online app application.
3. JD.COM auto loan.
There is no special car loan application in JD.COM. The borrower needs to download the Jingdong Financial APP, and then click JD. COM and select "consumption stage-car loan". After that, the borrower can apply for a loan according to the operating instructions.
The vehicle age of the user is more than 1 month and less than 10 year, and the mileage is within 654.38+10,000 kilometers. The age of the borrower needs to be between 18-60 years old, and there must be no serious stain on the credit. Users do not need to pick up the car, but only need to provide relevant materials such as vehicle registration certificate and vehicle driving license, and there is no need to mortgage the green paper. Green paper can use relevant copies and ID card photos.
The above is the related content sharing of "which platform is better in automobile mortgage", and I hope it will help everyone!
What apps are there for mortgage loans?
Micro-loan network APP. Apart from Bank of Communications and Bank of China, there are few real estate mortgage loans. Most other banks can provide mortgage loans, such as China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Chongqing Rural Commercial Bank and China Postal Savings Bank. However, major banks have different requirements on the conditions, execution interest rate and loan life of real estate mortgage loans, so they should consider their own suitable loan varieties and repayment pressure when choosing loans. Mao Sen Guarantee is an institution that cooperates directly with banks.
1. Microfinance Network
Micro-loan online was launched in July of 20 1 1, and it is one of the earliest online lending platforms in China. At first, the platform model was similar to auction loan (pure online credit loan), and later it turned to chattel mortgage loan, and expanded the service network by joining offline. Last year, the micro-loan network launched the "Five-year Hundred Stores" plan, and strived to open 100 offline outlets nationwide by 20 17. At present, this goal has been achieved by about 30%.
2. Good car loan Car loan is an investment and financing financial service platform that provides mortgage, pledge loan and car loan financing services for car owners. The online platform was established on 20 14. Although it belongs to a young platform, the professional strength of good car loans cannot be underestimated. 20 15 is invested by Shenzhen qianhai zhongdaxin asset management co., ltd.10 million USD, which is one of the top 100 brands of internet finance. At present, the main products are good car loans, financial links, bank-enterprise links, rental treasures and so on. The investment amount of good car loan project is very small, which is very suitable for small and medium investors.
3. Worry-free car loan Worry-free car loan is an innovative Internet car finance platform independently developed and operated on the basis of worry-free original car loan business in the future. Relying on the model of "Internet financial car", we are committed to building a standardized, safe, transparent and honest Internet financial information intermediary service platform, providing investors with low-risk and high-return investment products and creating value for every penny; Provide low-cost and efficient financing services for those who need funds, so that microfinance is no longer difficult.
What are the platforms in automobile mortgage?
1.58 car loan APP: 58 car loan APP is a P2P lending platform in automobile mortgage. 58 Car loan adopts cautious and professional evaluation method, unique comprehensive credit evaluation system and powerful risk control means, and the accumulated loan amount exceeds 50 million yuan to maintain zero non-performing rate.
2. Car second loan APP: Car second loan APP is a car loan APP launched by Ali. The car second loan APP allows car buyers to submit loan applications online on their mobile phones, and the credit line of the loan can be known within half an hour.
3. the first car loan APP: car loan number. 1 is an auto loan APP developed by Shanghai Fengzhixing Auto Finance Co., Ltd., which is aimed at users with loan needs who obtain credit from their company and provide intermediary services. Investors can invest through the mobile phone client and enjoy the fun brought by investment and financial management anytime and anywhere.
4. Bee Easy Car Loan APP: Bee Easy Car Loan is the leading p2p lending platform in China, providing users with fast and high-quality financial services and helping quality life. The loan is fast, saves money and effort, and is privately customized, safe and reliable.
5. Yixin car loan APP: Yixin car loan mainly provides new car loans, used car loans, car owner loans, car rental, auto insurance and other products and services. In addition to cooperating with many financial institutions, it also has CreditEase's self-operated business, providing a wealth of auto finance products and services.
6. Cheyi Loan APP: Cheyi Loan focuses on auto loans. For investors, car loan business is a safe lending business, which has the characteristics of small amount, dispersion, mortgage and quick realization. Through a mature business model and a perfect market,
There is a car loan platform.
There are many platforms that want to mortgage your vehicle, such as: credit, CRRC flash loan, and Chebang loan.
1. Hey. Credit is a car loan APP under Ping An Bank, which belongs to Ping An mortgage loan product. If users want to apply for a loan with their own car as collateral, they need to provide proof of marital status, loan use plan, income certificate, personal assets certificate and other related materials. The entrance to the credit store is also easy to find. Users can search Ping An Pocket Bank in the mobile app store, then click "My" to find a car loan, and then apply for a car loan according to the operating instructions.
2. shenzhou car flash loan. Shenzhou Flash Loan is a financial service product under UCAR, which mainly provides users with services such as used car loans and car mortgages. Users can apply for a loan on Shenzhou Car Flash Loan, which can be up to 90% of the estimated car price, and the loan can be completed within 2 hours at the earliest. According to the feedback from real users, even if the user's car is not very valuable, he can apply for a certain amount of loan in Shenzhou Car Flash Loan.
3. Chebang loan. Chebang Loan is an automobile pledge platform under Zhejiang Chebang Internet Finance Information Service Co., Ltd. Users can apply for loans on Chebang Loan, up to 80% of the vehicle appraisal value. According to the official explanation of Chebang Loan, applying for a loan on Chebang Loan can complete the loan within one hour at the earliest.
Extended information:
I. Definition: A simple and popular understanding of a loan (e-IOU credit loan) is to borrow money with interest.
Two. Repayment method:
(1) Equal principal and interest repayment method: equal repayment of loan principal and interest every month. For housing provident fund loans and commercial personal housing loans, most banks have adopted this method. So the monthly repayment amount is the same;
(2) Average capital repayment method: that is, the borrower distributes the loan amount evenly throughout the repayment period and pays off the loan interest from the previous trading day to the current repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [applicable to loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Early repayment of part of the loan: that is, the borrower applies to the bank for early repayment of part of the loan amount, which is generally an integer multiple of 1 000 or 1 000. After repayment, the loan bank issues a new repayment plan, and the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.
(5) Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance by applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
(6) Pay as you borrow: the interest after the loan is calculated on a daily basis, and the interest is calculated on one day. You can pay the money in one lump sum at any time without any penalty.
Third, the "three principles" of loans refer to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' loan operation.
1. Loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without losing the land to meet the customer's demand for withdrawal of deposits at any time;
3. Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income will be good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken.
Therefore, the "three natures" should be harmonious, and the loan can be no problem.
Which platform of mortgage loan is reliable?
First, car loans.
Chelai Loan is a mobile phone software that provides vehicle mortgage loan. Anyone who has a car can come here to solve financial difficulties.
Second, worry-free car loans
Worry-free car loan is an online loan APP that does not bet on cars. Flexible term, fast loan and high valuation.
Third, China car flash loan
Shenzhou Car Flash Loan is an online loan APP. You can borrow money if you have a car, and you can lend money without taking a high-speed bus.
Fourth, CreditEase Car Loan
Yixin car loan is a super practical online loan APP, and you can borrow money if you have a car. Friends who have cars and need money urgently can choose.
Verb (abbreviation of verb) Chebang loan
Chebang Loan is a version of APP 4. 5. 9 that only makes cars. The maximum loan amount of each pledged vehicle is 80% of the appraised value: At present, some well-known domestic banks, such as China Bank, China Agricultural Bank, China Industrial and Commercial Bank and China Construction Bank, among which ICBC has the fastest mortgage loan. Other bank loans may be delayed by one month, but ICBC can complete them in five days at the earliest, so the loan efficiency and speed will be faster.
If you choose private banks, the well-known banks are Everbright, China Merchants, Xingye, Minsheng, CITIC and Communications. Among these banks, China Everbright Bank has the fastest mortgage loan when all banks need the same loan information.
Therefore, it is definitely easier for people with good qualifications to borrow money. But people with poor qualifications should not be discouraged, because different bank loan policies are different. If you only consult one bank that does not meet the loan conditions, you can actually consult several banks, shop around and choose the right bank loan.
To apply for automobile mortgage in a bank, you should meet the following conditions:
1, requiring the applicant to be 25-55 years old and have a stable income at present;
2. The vehicle certificate under its name is complete and there is no guarantee at present;
3. For the mortgaged car, the bank requires that the car age is less than 5 years and the journey is less than 80,000 kilometers;
4. The current appraisal value of the mortgaged car should be above 70,000 yuan. Although the bank's interest rate is the lowest, it requires high qualifications for cars and borrowers and has a long application period. If the qualifications are good, you can consider the bank. If the qualification is not good, you can consult the pawnshop. Although the interest rate of pawn shops is slightly higher than that of banks, they have low qualification requirements and high pass rate, and can be received on the same day, which is more suitable for customers who need emergency funds.