Inventory of mortgage car online sales platform
1, Bank of automobile mortgage
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.
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.
2. 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.
3. JD.COM auto loan.
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 "Online Sales Platform for Mortgage Cars", hoping to help everyone!