The loan mortgage process is generally like this:

1. Buy a car from a dealer who is qualified to cooperate with the bank and sign a car purchase contract. In the contract, you should indicate the car price, taxes and fees, the payment method of insurance premium and the proportion of the remaining mortgage. You can't ask the dealer to write a general sentence about the price of the vehicle in the price.

2. Fill in the loan application form at the dealer (or bank), and pay attention to the loan amount and term.

3. Take relevant documents (usually ID card, marriage certificate, income certificate, driver's license-it can be someone else's, driving license, vehicle registration certificate) and go to the bank with your spouse (if any) and the dealer.

4. Sign the loan contract, chattel mortgage list and other related documents at the bank (banks generally require face-to-face signing to prevent fraud, so it is better to go there), then check the loan amount with the bank staff, and calculate the mortgage amount and performance guarantee insurance for each period according to the loan amount (this insurance calculation method is% of the total number of mortgage loans per month). This insurance can be partially returned after you repay the loan in advance (don't forget to ask for it when friends who repay the loan in advance arrive). Note here: if you are more careful, you can ask the bank staff to write down the loan amount on the contract before signing it; If you have time, you can wait for the bank staff to write all the contracts and check them correctly before signing them, but you may have to go to the bank several times. This contract cannot be changed. Once revised, you can ask for a new one.

5. Get on the bus and go to the vehicle management office with the dealer to handle the vehicle mortgage registration procedures. Of course, you should bring all the relevant information, but you don't have to worry at this time. Banks and dealers will usually prepare for you, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, vehicle registration certificates, etc. After handling, the vehicle management office will print your mortgage amount and the receiving bank on the vehicle registration certificate.

6. There is no need to go to the bank again, but the dealer can do the following procedures. Let him take the original or copy of the vehicle registration certificate to the bank, and the bank will transfer the corresponding money to the dealer account or your account according to the contract, and then automatically transfer it to the dealer account.

7. Deposit the mortgage amount in full into the designated account before the monthly repayment date agreed in the contract (the general bank will ask you to open a credit card account without overdraft, which is convenient for you to deposit and facilitate his deduction), and there will be a penalty period for the extension. If the payment is delayed, inform the bank to deduct it in time after payment, otherwise the bank may deduct it again in the next period, so your penalty interest will increase. Note that if the payment is delayed, you should pay more than usual, so that the bank can deduct the full amount, and the bank will not deduct the less.

8. If you lose your credit card or forget that account, you should go to the bank to reapply in time and tell them your latest credit card or account number so that they can modify the computer information in time, otherwise the bank may delay processing and impose a penalty interest.

9. If you claim compensation from the insurance company after the accident, the insurance company will ask you to go to the bank to open a certificate of your repayment credit. If you repay the loan on time, the insurance company will pay you the premium in full. If you don't repay the loan in time, the insurance company will pay the compensation to the bank to offset the mortgage, and the bank will certainly not issue a certificate for you. So you are concerned about your repayment credit.

10, after the loan is fully paid off, ask the bank for relevant certificates, and bring the vehicle registration certificate to the vehicle management office to go through the formalities of vehicle mortgage cancellation, so that the car can be regarded as its own. If the loan is repaid in advance, part of the performance insurance premium may be refunded, and there may also be vehicle insurance premium received by the insurance company in advance in the following year.

1 1. Please pay attention to the loan term and determine it reasonably according to your repayment ability.

2. What is the handling process of automobile mortgage?

The loan mortgage process is generally like this:

1. Buy a car from a dealer who is qualified to cooperate with the bank and sign a car purchase contract. In the contract, you should indicate the car price, taxes and fees, the payment method of insurance premium and the proportion of the remaining mortgage. You can't ask the dealer to write a general sentence about the price of the vehicle in the price.

2. Fill in the loan application form at the dealer (or bank), and pay attention to the loan amount and term.

3. Take relevant documents (usually ID card, marriage certificate, income certificate, driver's license-it can be someone else's, driving license, vehicle registration certificate) and go to the bank with your spouse (if any) and the dealer.

4. Sign the loan contract, chattel mortgage list and other related documents at the bank (banks generally require face-to-face signing to prevent fraud, so it is better for you to go there), then check the loan amount with the bank staff, and calculate the mortgage amount and performance guarantee insurance for each period according to the loan amount (the insurance calculation method is% of the total number of mortgage loans per month). This insurance can be partially returned after you repay the loan in advance (don't forget to ask for it when friends who repay the loan in advance arrive). Note here: if you are more careful, you can ask the bank staff to write down the loan amount on the contract before signing it; If you have time, you can wait for the bank staff to write all the contracts and check them correctly before signing them, but you may have to go to the bank several times. This contract cannot be changed. Once revised, you can ask for a new one.

5. Get on the bus and go to the vehicle management office with the dealer to handle the vehicle mortgage registration procedures. Of course, you should bring all the relevant information, but you don't have to worry at this time. Banks and dealers will usually prepare for you, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, vehicle registration certificates, etc. After handling, the vehicle management office will print your mortgage amount and the receiving bank on the vehicle registration certificate.

6. There is no need to go to the bank again, but the dealer can do the following procedures. Let him take the original or copy of the vehicle registration certificate to the bank, and the bank will transfer the corresponding money to the dealer account or your account according to the contract, and then automatically transfer it to the dealer account.

7. Deposit the mortgage amount in full into the designated account before the monthly repayment date agreed in the contract (the general bank will ask you to open a credit card account without overdraft, which is convenient for you to deposit and facilitate his deduction), and there will be a penalty period for the extension. If the payment is delayed, inform the bank to deduct it in time after payment, otherwise the bank may deduct it again in the next period, so your penalty interest will increase. Note that if the payment is delayed, you should pay more than usual, so that the bank can deduct the full amount, and the bank will not deduct the less.

8. If you lose your credit card or forget that account, you should go to the bank to reapply in time and tell them your latest credit card or account number so that they can modify the computer information in time, otherwise the bank may delay processing and impose a penalty interest.

9. If you claim compensation from the insurance company after the accident, the insurance company will ask you to go to the bank to open a certificate of your repayment credit. If you repay the loan on time, the insurance company will pay you the premium in full. If you don't repay the loan in time, the insurance company will pay the compensation to the bank to offset the mortgage, and the bank will certainly not issue a certificate for you. So you are concerned about your repayment credit.

10, after the loan is fully paid off, ask the bank for relevant certificates, and bring the vehicle registration certificate to the vehicle management office to go through the formalities of vehicle mortgage cancellation, so that the car can be regarded as its own. If the loan is repaid in advance, part of the performance insurance premium may be refunded, and there may also be vehicle insurance premium received by the insurance company in advance in the following year.

1 1. Please pay attention to the loan term and determine it reasonably according to your repayment ability.

3. Can CCB mortgage be converted into mortgage? Do you know anything about CCB mortgage?

You can refinance the loan.

Processing flow:

The first step is that the original borrower applies to the bank.

Step 2: If the bank approves, the bank, the buyer and the seller sign an agreement, and the bank agrees the seller to transfer the house. The seller promises to give priority to the repayment of bank loans, and authorizes the bank to directly deduct the outstanding loan principal and interest from its account opened in the bank. The buyer promises to remit the house payment to the account opened by the seller in the bank at the time of transaction.

Step 3: The buyer and the seller sign the house transfer contract.

Step 4: The buyer applies for a new loan from the bank. The loan amount can be the remaining loan balance of the seller, or it can be calculated according to the following formula: loan amount = market price of purchased house × loan ratio of second-hand house.

Step 5: After approval, the bank signs a new loan contract and mortgage contract with the purchaser, and issues a letter of commitment agreeing to the loan.

Step 6: the bank and the seller go to the real estate management department to cancel the mortgage registration, the seller and the buyer go through the property transfer procedures, and the bank and the buyer go through the new mortgage registration procedures.

Step 7, the bank issues loans to the buyer, transfers the loans to the account opened by the seller according to the authorization of the buyer, and then directly deducts the outstanding loan principal and interest from the account according to the authorization of the seller, thus terminating the original loan contract.

4. What is the process of automobile mortgage and mortgage loan?

The difference between automobile mortgage and mortgage loan;

First, the car mortgage

Processing flow:

1. Application: The borrower fills in the loan application form and submits relevant materials;

2. During the audit, after receiving the borrower's application, the bank shall review the authenticity of the information submitted by the borrower (the borrower's economic income and repayment ability, etc.). );

3. sign the contract. After the loan is examined and approved, the borrower will formally sign a loan contract with the bank and go through notarization and mortgage registration procedures;

4. Lending: After the borrower completes the relevant procedures, the loan will be distributed to the borrower's personal account.

Automobile mortgage information:

1, original and photocopy of motor vehicle owner's identity certificate (original and photocopy of unit vehicle organization code certificate, original and photocopy of valid residence permit for temporary residents);

2. Original and photocopy of the mortgagee's identity certificate (official seal is required);

3. The original mortgage contract;

4. Power of attorney of the mortgagee and power of attorney of the motor vehicle owner (stamped with official seal and check seal);

5. If it is an agent, the original and photocopy of the agent's identity certificate are also required;

6. Motor vehicle registration certificate; ;

7. Fill in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.

Second, mortgage loan.

Buying a car by mortgage means that the borrower who applies for buying a car pays a part of the down payment first, and the lender pays the rest to the buyer in installments.

Application conditions:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Application materials:

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

After providing these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Application method:

1. Buying a car (using real estate as collateral) is a real estate mortgage loan. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate is mainly determined according to the loan type and personal qualification.

2. Personal credit loan to buy a car (unsecured and unsecured, generally requiring good credit and stable work income), this form of loan to buy a car can generally be borrowed for 5 years (the company can only borrow for 3 years), with a down payment of more than 30%.