For many users, they want to buy a car, but they don't have enough money to buy it in full, so they can only apply for a car loan at the bank. There are many banks in the market. As a state-owned bank, ICBC has always been trusted by many users. ICBC's whole car mortgage loan strategy is coming, with loan application conditions and loan application process!
China Industrial and Commercial Bank's automobile full mortgage loan strategy
1, ICBC vehicle mortgage loan conditions
Borrowers need to meet these conditions: China citizens of age 18-65; Have a stable economic income and the ability to repay the principal and interest of loans; Good credit information and no bad credit record; The mortgaged vehicle has legal and valid certification materials; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by China Industrial and Commercial Bank.
2. Information required for ICBC's automobile full mortgage loan.
Original and photocopy of the identity certificate of the mortgagee (official seal is required); Original mortgage contract; Original and photocopy of the identity certificate of the motor vehicle owner; Power of attorney of mortgagee and power of attorney of motor vehicle owner (stamped with official seal and cheque seal); Motor vehicle registration certificate; Fill in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.
3. The whole vehicle mortgage loan process of China Industrial and Commercial Bank.
The borrower needs to submit the materials of the mortgaged vehicle to ICBC, and then the bank will have a special appraiser to evaluate the mortgaged vehicle. After the appraisal is completed, the borrower needs to negotiate the value of the mortgaged vehicle with the bank, then sign the vehicle mortgage contract and notarize it at the same time.
The borrower needs to go to the vehicle management office for mortgage registration and relevant certificates, drive the vehicle to the parking lot designated by the borrower, and hand over all the car keys to the bank for safekeeping, and then the bank will lend money.
The above is the relevant content sharing of "ICBC's whole car mortgage loan", hoping to help everyone!
How to get a loan from the bank for a full car
The full car can be borrowed from the bank. The materials required to apply for a car loan from the bank include personal loan application, valid identity certificates of myself and my spouse, income certificates of myself and my spouse, marriage certificate and household registration book, ID card and its copy, car purchase agreement, contract or letter of intent signed with the dealer, proof of deposit or down payment, documents or materials required for guarantee, and other documents and materials required by the cooperative organization.
Loan terms:
1. Car buyers must be at least 18 years old and be China citizens with full civil capacity.
2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule.
3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter.
4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
5. Car buyers are willing to accept other conditions deemed necessary by the bank.
Handling process of automobile loan:
1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time.
2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.
3. Lending: The loan granted with the approval of the bank will be directly transferred to the account of the automobile dealer by the bank according to the contract after all the formalities are completed.
4. Repayment on schedule: The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract.
5. loan settlement.
How to handle the full mortgage of the car?
What is a car loan and what materials are needed for a car mortgage loan? Vehicle loan mainly refers to automobile mortgage, which refers to the loan that the lender mortgages the car purchased in full or the car with expired mortgage to the lending institution for application.
The whole vehicle mortgage loan can be a long-term loan or a short-term loan, and the loan time is at least 6 months. When the lender still needs funds after the loan expires, it may apply to the lending institution for extension. You may be familiar with car mortgage, but I believe you don't know much about full-width car mortgage. You may think that you can get a loan as long as you have a car. Actually, it's not. When applying for full automobile mortgage, in addition to the automobile mortgage, you need to prepare the following materials:
1 motor vehicle registration certificate; 2 driving license; 3 original car purchase invoice; 4. Purchase additional tax account books; 5. Automobile insurance documents; 6. Automobile tax certificate; 7. Maintenance fee payment voucher; Original and photocopy of the owner's ID card and household registration book; 9. Other materials required by the bank or loan company;
If your car is imported, you need to provide a car customs certificate. In addition, the lender can also choose two loan methods, one is car-free mortgage loan and the other is car-owned mortgage loan. If you want to have the convenience of a car, it is recommended to have a car-free mortgage loan. However, this kind of loan has higher interest than that in automobile mortgage, and it also has certain requirements for the license plate number.
If you buy a car in full first and then go out to find a bank mortgage, will it save a lot?
It's just a wrong number! The following is correct: first, apply for a car loan (direct passenger transport) at CCB with the car booking form, then take the car in full, and then charge the card back to CCB. Then CCB transfers the balance to any of your bank cards, which can last for 4 years, with a monthly interest rate of 3% 1, and you can repay in advance! good
Can I buy a car in full and then go to the bank for mortgage?
Yes, you can go to the bank for a loan after buying the car in full. Borrowers who want to borrow money are between the ages of 20 and 60 and have full civil capacity. Have China nationality; Have the ownership of the mortgaged vehicle.
According to Article 200 of People's Republic of China (PRC) Contract Law, the loan interest shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.
Conditions for applying for a bank loan
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.
2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.
3. Have a good credit record and willingness to repay, and no bad credit record.
4. It can provide legal, effective and reliable guarantees recognized by banks.
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.
principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation.
Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks.
2. Liquidity refers to the ability to recover the loan within a predetermined period of time or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time.
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Hello, now that I have bought a full car, can I get a loan from the bank?
Of course. After you buy this car in full, it will become your personal asset. Then you can go to the bank to apply for a personal asset mortgage loan, and finally you can get the loan.
: 1. What conditions do lenders need to meet when applying for automobile mortgage? Generally speaking, the basic conditions that lenders need to meet are as follows:
1. The lender must be a natural person who has reached the age of 18 and has full capacity for civil conduct, and is a citizen of China with a fixed residence in China;
2. Have a stable job and income source, and be able to guarantee to repay the principal and interest of bank loans on a regular basis;
3. The lender has opened a savings account in the loan bank;
4. The lender can provide automobile mortgage with the guarantee certification materials approved by the loan bank.
5. Willing to accept other conditions stipulated by the lending bank.
Second, when applying for a car loan, you need to prepare the following materials:
(1) Personal loan application form filled out by the applicant;
(2) Personal valid identity certificate of the lender. Including resident identity cards, household registration books, etc.
(3) the lender's household registration certificate or long-term residence certificate;
(4) Personal income certificate of the lender, and family income or property certificate can be provided when necessary;
(5) Marriage certificates proving the marital status of the applicant, such as marriage certificate, divorce certificate, single certificate, etc.
(6) issue a down payment certificate for car purchase;
(7) It can provide legal and effective guarantee certificates;
(8) If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation;
(9) Other materials stipulated by the bank that can be used to prove the ownership of the vehicle.
(10) motor vehicle registration certificate of the vehicle to be mortgaged;
(1 1) Lender's personal motor vehicle driver's license;
(12) Show the purchase invoice of the vehicle you mortgaged;
(13) Lenders need to purchase additional tax books;
(14) Vehicle insurance documents;
(15) toll bill.
Some banks don't need to produce so many materials, just a few basic materials. Therefore, before the mortgage, the lender needs to know about the relevant mortgage policies online or at the local bank, and then prepare the materials in advance before going to the bank for loans.
So much for the introduction of buying a car in full and refinancing.