There will be various problems in the process of handling Wuhan vehicle mortgage loan. Xinjinrong has compiled a guide to Wuhan vehicle mortgage loan for you, including application conditions, procedures, materials, interest rate, loanable amount, loan company and so on!
Vehicle mortgage loan, as its name implies, is to apply for a loan with a car as collateral. The loan threshold is low and the loan speed is fast, which can be mainly used to solve the problems of ineffectiveness in the short term.
1, Wuhan vehicle mortgage loan conditions
(1) Applicants are required to be 25-55 years old and can provide valid identification;
(2) The borrower has a fixed job and legal income, which means that he must have certain repayment ability;
(3) The borrower owns all the rights and interests of the vehicle, and the vehicle certificate under its name is complete, and there is no mortgage at present;
(4) For the mortgaged car, the bank requires that the car age is less than 5 years, the journey is less than 80,000 kilometers, and the mortgaged car is valued at more than 70,000 yuan.
Before applying, you need to choose whether to take a bus or not according to your own needs.
2. Wuhan automobile mortgage Process
It can be simply summarized as: submitting materials → vehicle evaluation → signing a contract → vehicle mortgage → waiting for loan → post-loan management.
3. Wuhan automobile mortgage Materials
Original and photocopy of motor vehicle owner's identity certificate, original and photocopy of mortgagee's identity certificate, original mortgage contract, mortgagee's power of attorney and motor vehicle owner's power of attorney (stamped with official seal and cheque seal), motor vehicle registration certificate, and filling in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.
After the materials are ready and the evaluation is completed, you can sign the contract.
4. Wuhan automobile mortgage interest rate
Different loan channels have different loan interest rates. If you choose a bank to handle Wuhan vehicle mortgage loan, it will float according to the benchmark interest rate stipulated by the central bank. If it is a trust loan, the interest rate plus handling fee will generally be 18% per year. If it is a pawnshop loan, the comprehensive other expenses are about 3% per month.
If the interest rate is too high, you can consider using several methods in this article.
5. How much can Wuhan vehicle mortgage loan borrow?
The vehicle mortgage rate in Wuhan is generally 60%. For example, a 300,000 new car mortgage loan is generally evaluated as 200,000 because of the rapid depreciation of the car. According to the mortgage rate of 60%, you can borrow 6.5438+0.2 million yuan.
The loanable amount of vehicle mortgage loan will also be affected by other factors.
6. Which company is good for vehicle mortgage loan in Wuhan?
In addition to looking for a loan company, you can also apply through some websites, which is more convenient for application and faster for lending.
The introduction of Wuhan vehicle mortgage loan strategy ends here. I believe your problem has been solved. I want to apply for Wuhan vehicle mortgage loan faster. There are professional credit managers to answer your questions, and more strategies and consultations are waiting for you.
The regular Wuhan vehicle mortgage loan company has a good reputation.
Friends who are in urgent need of money, if you have a car, can apply for a car mortgage loan to solve the problem. The threshold is low and the loan is fast, which is easier than taking the bank channel. So what are the regular Wuhan vehicle mortgage loan companies? Let's take a look at these introduced to you.
Professional third-party platform, reliable Wuhan vehicle mortgage loan products, perfect after-sales service, one-on-one credit manager service, lower threshold and faster loan. You can choose whether you want a car or not.
Fu Deng (Hubei) Co., Ltd.
Fu Deng provides high-quality financing and loan services for individual industrial and commercial households and micro-enterprises in China. It has successively won the honorary titles of "Top Ten Companies in 20 12" and "Top Ten Companies in China 100 in 20 13".
Automobile Financial Service Platform —— China Automobile Flash Loan
Shenzhou Auto Flash Loan provides customers with auto consumption credit services such as new car finance, used car finance and automobile mortgage. There are many offline stores, with great product advantages and a wide audience. You can get loans smoothly without taking a car.
Editor's Note: The formal Wuhan Vehicle Mortgage Loan Company will introduce these for the time being. When choosing, you can choose private loan companies, loan platforms or professional auto finance service platforms according to your own preferences and needs.
Is Wuhan Jixin Auto Loan Reliable?
HanWuhan Jixin Auto Loan is a professional auto finance service organization, focusing on auto loan, auto mortgage, auto mortgage lease and other businesses to provide customers with safe, fast and high-quality financial services. Han Wuhan Jixin car loan business standards and approval process are strict, and the service quality is well received by customers, which can be said to be reliable.
Can loan users apply for Wuhan vehicle mortgage loan?
There are three channels to handle vehicle mortgage loans in Wuhan, namely banks, private lending institutions and auto financing companies. So through what channels can loan users make vehicle mortgage loans in Wuhan? The following is the origin for your analysis.
I. Banks
The interest rate offered by banks is low, there are almost no restrictions on the choice of vehicle types, and the loan amount is relatively large. The loan term can be between 1-5 years. The disadvantage is that the procedure is troublesome, and it takes half a month to get the account.
Credit requirements: bank loans require borrowers to have good credit, so it is impossible for loan users to apply for Wuhan vehicle mortgage loans in banks.
Second, private lending institutions.
It will be easier to apply for Wuhan vehicle mortgage loan in private lending institutions, and the qualification requirements for applicants are not so strict, but the interest will be higher than that of banks.
Credit requirements: Private lending institutions have their own regulations on credit reporting, some require personal credit reporting, and some can relax the credit reporting requirements as long as you can provide a mortgage vehicle approved by them, and the application of loan users is also promising.
Third, auto finance companies.
Auto financing company is a financial institution that specializes in providing auto loan services. It will be faster and more flexible to apply for Wuhan vehicle mortgage loan here, and the corresponding interest will be higher. At the same time, additional fees such as service fees and management fees will be charged.
Credit requirements: Like private loans, the credit requirements of auto financing companies also depend on the regulations of each company. Some companies can only look at whether the vehicle meets the requirements, so loan users in Wuhan can also apply for vehicle mortgage loans. If necessary, you can learn about it.
How to handle vehicle mortgage loan in Wuhan? The application conditions and information are here.
In our daily life, we will inevitably encounter various situations of lack of money, but if you have a car, you can easily solve this problem, because it is easy to get a loan by means of vehicle mortgage. So what are the conditions of Wuhan vehicle mortgage loan? Let's take a look.
Wuhan automobile mortgage application conditions
Car mortgage has certain requirements for the borrower and the mortgaged car, as follows:
1, the applicant is required to be 25-55 years old and can provide valid identification;
2. The borrower has a fixed job and legal income, which means that he must have a certain repayment ability;
3. Personal credit record is good and there is no credit stain. Some private lending institutions do not pay much attention to credit reporting, as long as there is no serious malicious overdue phenomenon;
4. The borrower owns all the rights and interests of the vehicle, and the vehicle certificate under its name is complete and currently unsecured;
5. For the mortgaged car, the bank requires that the car age is less than 5 years, the journey is less than 80,000 kilometers, and the mortgaged car is valued at more than 70,000 yuan.
Wuhan automobile mortgage application materials
Borrower's information: identity certificate, household registration book, work certificate, bank account, marriage certificate and other information required by the lending institution.
Vehicle information: ownership certificate, driving license, motor vehicle registration certificate of mortgaged vehicle, original purchase invoice, purchase additional tax book, vehicle insurance certificate, vehicle and vessel tax payment certificate, road maintenance fee payment certificate, and vehicle tariff certificate of imported vehicle.
This is the end of the introduction of auto mortgage and auto mortgage stores in Wuhan. Did you find the information you needed?