The next payment time of car mortgage depends on the choice of your loan company. If you apply for a mortgage loan in a regular bank, it usually takes about 15 days to make the next payment, because the bank handles more business, and the audit procedure is relatively strict and takes a long time. If you apply for a mortgage loan in a financial institution, the next payment time is relatively short, usually 3-5 days.

How long does it take for a bank to apply for a vehicle mortgage loan?

Banks are strict in approving vehicle mortgage loans. Generally, the approval is completed within 15 working days after receiving the complete materials, including vehicle evaluation, mortgage registration and other procedures. The specific lending time varies from person to person. If the loan is successful within 1 month, the actual time shall prevail.

Under normal circumstances, banks do not need to pledge documents, pledge cars and install GPS to handle vehicle mortgage loans, and the loan interest is much lower than usury, which is more reliable than other loan platforms on the market.

How long can the vehicle mortgage loan be released?

After the car is mortgaged, the loan is usually completed within one week. Since the loan has been approved before, the loan speed is relatively fast after the user signs the car loan contract and handles the car loan. Especially, if you choose auto financing loan, because the manufacturer directly lends money to users, the lending speed is faster than bank auto loan, and it can be completed in 1-3 days.

Therefore, as long as the car loan passes, users do not need to worry about the loan time. Car loan is different from mortgage, and the lending speed of car loan is relatively fast.

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Automobile mortgage is a loan obtained from a financial institution or an auto loan company with the car of the borrower or a third party or the car purchased by itself as collateral. Car-secured loans are mainly for quick capital turnover. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 5-8 fold. )

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Conditions and materials required for applying for car loan service by car mortgage:

1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.

2 proof of long-term residence and work, occupation and economic income in this city.

3. Motor vehicle registration certificate, driving license, additional proof of purchase tax (original) and car purchase invoice.

4. Insurance policies, travel taxes and tax vouchers for imported vehicles.

5. ID card (temporary residence permit provided by non-local registered customers or residence permit within the validity period)

6. Other documents and materials required by the Cooperation Organization.

Domestic banks generally do not provide car mortgage services, and such services generally require private professional credit institutions to apply. For example, automobile mortgage Service is a short-term microfinance service for small businesses, individual merchants and entrepreneurs.

"Car loan" is divided into two forms: car loan and car loan. Escort: Give the vehicle to the company for safekeeping. There is a special parking lot for vehicles, and there is a special person to look after them 24 hours a day, and the vehicles light up regularly. Don't want a car: customers can choose to only go through the formalities with the company, and the car or their own use needs mortgage registration. The loan business is flexible and fast, and the amount can generally reach 70%-80% of the assessed amount. Generally, the loan can be released on the same day when the formalities are complete. Mandatory requirements for vehicle mortgage loan: vehicles under my name, vehicles with full payment, vehicles with complete procedures and within the service life.

You can mortgage a used car, but the conditions are very strict. In fact, it's almost the same as not being able to mortgage. Although many banks do not refuse second-hand mortgages, there are many conditions. They must provide proof of intention to buy a car, vehicle evaluation, seller's vehicle title certificate and motor vehicle annual inspection certificate, and the eligible loan amount shall not exceed 50% of the total vehicle price. Some banks even said that to apply for second-hand mortgage loans, real estate must be used as collateral, otherwise even if these five conditions are met, they will not be approved.

How soon can the mortgage car get the money?

If you apply for a car mortgage in a bank, it usually takes about 15 days; If you apply for a car mortgage in a financial institution, it usually takes 3 to 5 days, depending on the actual situation. Generally speaking, the appraisal price of a car is determined by the appraisal institution, and the mortgage rate of a car is determined by the borrower's credit status and repayment ability.

Steps of motor vehicle mortgage: prepare materials, submit them to relevant institutions, evaluate, entrust notarization, notarize loans, go through mortgage registration procedures, and lend them to the owners.

Preparation materials or certificates: the owner has a certificate of stable occupation, occupation and economic income; , to the local dmv for registration; When mortgaging, you need to show your ID card or residence permit, motor vehicle registration certificate, driving license, purchase additional tax certificate, car purchase invoice, insurance policy, travel tax and other documents.

Vehicle mortgage processing steps:

1. The owner submits the materials that need to be prepared to the financial institution, and the financial institution conducts home visits to the owner according to the materials;

2. Make a preliminary appraisal of the mortgaged vehicle and reserve the loan amount;

3. The car mainly handles entrustment notarization and loan notarization;

4. The financial institution will keep the relevant documents applied by the owner and go to the vehicle management office for mortgage registration;

5. Financial institutions lend to car owners according to the vehicle value limit.

Usually the car mortgage rate is around 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.

Legal basis: To apply for mortgage registration according to Article 22 of the Regulations on Motor Vehicle Registration, the motor vehicle owner (mortgagor) and mortgagee * * * shall fill in the Application Form for Motor Vehicle Mortgage/Cancellation with the following documents and vouchers:

(1) Identity certificates of the mortgagor and mortgagee;

(2) Motor vehicle registration certificate;

(three) the main contract and mortgage contract concluded by the mortgagor and the mortgagee according to law.

The vehicle management office shall record the contents of mortgage registration on the motor vehicle registration certificate within one day from the date of acceptance.

Twenty-third vehicle management office mortgage registration, shall register the following contents:

(a) the name of the mortgagee or the name of the unit, the name of the identity document, the number of the identity document, the address, the postal code and the contact telephone number;

(two) the main contract and mortgage contract number;

(3) Date of mortgage registration.

Problems that automobile mortgage should pay attention to.

When we apply for car mortgage, after all the relevant procedures are completed, we must go to the car management department to apply for car mortgage with our lending institution and sign our names on the motor vehicle registration certificate.

This is the real security. After this procedure is completed, neither of us can buy or sell the car casually. Of course, if we can't continue to repay the loan, then the lending institution can auction our car.