Compared with the full purchase, the mortgage interest rate is lower, and the mortgage interest rate of the car is 4%. If the full purchase is mortgaged, the annual interest rate is basically 9%, so it is more cost-effective to apply for mortgage than to mortgage after the full purchase.
The information for handling automobile mortgage is as follows:
Id card, household registration book, marriage certificate, income certificate, bank account, if not a local account, you need a temporary residence permit.
You can buy a car in full after applying for a loan. Personal car loans can generally be divided into "direct" and "indirect" modes. The direct method means that the borrower directly submits the application materials for auto loan to the bank, and the bank signs the loan contract and guarantee contract after the loan investigation and approval. Then, the borrower goes to the bank's special car dealer to buy a car. The car loan is directly transferred from the bank to the car dealer's account. Indirect means that the borrower buys a car from a bank's special car dealer, submits relevant loan application materials, and the car dealer transfers it to the bank to apply for a loan. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
1. Loan target:/kloc-a natural person with full civil capacity aged from 0/8 to 60 (inclusive);
2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchase price; If the purchased vehicle is a used car, the loan amount shall not exceed 60% of the purchase price of the borrower;
3. Loan term: the purchased vehicle is for personal use, and the loan term shall not exceed 5 years at the longest; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
4. Loan interest rate: subject to the loan interest rate regulations of commercial banks;
5. Guarantee method: To apply for personal auto loan, the borrower must provide certain guarantee measures, including pure vehicle mortgage, vehicle mortgage guarantee institution, vehicle mortgage natural person guarantee and vehicle mortgage performance guarantee insurance;
6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest payment, equal principal and interest repayment, average capital repayment, and one-time principal and interest repayment. If the loan term is more than one year, the method of equal principal and interest and average capital repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.
Second, ask for help, how to go to the bank to apply for a mortgage loan after buying a car in full?
The mortgage is relatively low, and the mortgage interest rate of the car is 4. In the case of mortgage loan, the annual interest rate is basically 9%, so mortgage is relative to the full purchase.
The information for handling automobile mortgage is as follows:
If you are not registered locally, you need an ID card, a household registration book, a marriage certificate and a temporary residence permit.
You can buy a car in full after applying for a loan. Personal car loans can generally be divided into "direct" and "indirect" modes. The direct method means that the borrower directly applies for information, the bank approves the loan investigation, signs the loan, and then goes to the bank's specialized car dealer to buy a car. Steam is credited directly to the car dealer's account. Indirectly, it means that the borrower buys automobile information from a special automobile dealer in the bank, and after investigation and approval by the automobile dealer, he signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
1. Loan target:/kloc-a natural person with full civil capacity aged from 0/8 to 60 (inclusive);
2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 60% of the purchase price of the borrower;
3. The loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle, and the loan period shall not exceed.
4. Loan interest rate: implemented by commercial banks.
5. Guarantee method: apply for personal guarantee measures, including pure vehicle mortgage, vehicle mortgage and vehicle mortgage performance guarantee insurance;
6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest payment, equal principal and interest repayment, average capital repayment, and one-time principal and interest repayment. Loan term interest and average capital repayment method. The specific repayment method shall be agreed by the handling bank and the borrower.
Third, how long can a full car mortgage a big account book?
The full car can be mortgaged at any time. After your car is licensed, a green copy will be sent to you. If you need to apply for mortgage, you only need to provide the owner's ID card, the mortgagee's business license, the power of attorney and the mortgage contract. If I can't handle it, you need to provide your own power of attorney to entrust others to handle it.
Fourth, ask for help. How can I go to the bank to apply for a mortgage loan after buying a car in full?
Compared with the full purchase, the mortgage interest rate is lower, and the mortgage interest rate of the car is 4%. If the full purchase is mortgaged, the annual interest rate is basically 9%, so it is more cost-effective to apply for mortgage than to mortgage after the full purchase.
The information for handling automobile mortgage is as follows:
Id card, household registration book, marriage certificate, income certificate, bank account, if not a local account, you need a temporary residence permit.
You can buy a car in full after applying for a loan. Personal car loans can generally be divided into "direct" and "indirect" modes. The direct method means that the borrower directly submits the application materials for auto loan to the bank, and the bank signs the loan contract and guarantee contract after the loan investigation and approval. Then, the borrower goes to the bank's special car dealer to buy a car. The car loan is directly transferred from the bank to the car dealer's account. Indirect means that the borrower buys a car from a bank's special car dealer, submits relevant loan application materials, and the car dealer transfers it to the bank to apply for a loan. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
1. Loan target:/kloc-a natural person with full civil capacity aged from 0/8 to 60 (inclusive);
2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchase price; If the purchased vehicle is a used car, the loan amount shall not exceed 60% of the purchase price of the borrower;
3. Loan term: the purchased vehicle is for personal use, and the loan term shall not exceed 5 years at the longest; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
4. Loan interest rate: subject to the loan interest rate regulations of commercial banks;
5. Guarantee method: To apply for personal auto loan, the borrower must provide certain guarantee measures, including pure vehicle mortgage, vehicle mortgage guarantee institution, vehicle mortgage natural person guarantee and vehicle mortgage performance guarantee insurance;
6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest payment, equal principal and interest repayment, average capital repayment, and one-time principal and interest repayment. If the loan term is more than one year, the method of equal principal and interest and average capital repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.