I have already taken out a loan from the bank, and I can still mortgage my car. A customer can borrow multiple loans, but the guarantee conditions cannot be weaker than the last loan. That is, when the first loan is credit, the second loan must be guaranteed at least before it can be applied. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. If I buy a car with a mortgage, can I get a loan from the bank?

As far as I know, the whole car can be mortgaged, which we professionally call anti-loan. This means that the mortgage loan is made after the car is bought and paid in full. However, due to the high depreciation rate of cars, you can now work as a automobile mortgage in a bank. Generally, it is controlled within three months after buying a new car (based on the date on the car purchase invoice), which may not exceed this three-month limit.

I am a loan officer of China Merchants Bank. I hope the answer can help you.

3. Can I get a loan from the bank after buying a mortgage car?

Yes, both the process and the guaranteed value of mortgage purchase can be used.

4. Can the car bought by loan be mortgaged?

If it is a mortgage loan of China Merchants Bank, only real estate is accepted as mortgage at present; If you need to apply for "personal automobile mortgage", you can use the purchased car (brand-new non-operating car) as a mortgage application; If you have unexpired time deposits, certificates of deposit, etc. , you can also try to apply.