There is a green copy of my car, which proves that the property right belonging to this car is mortgaged to the bank. According to Article 394, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property to guarantee the performance of the debt, the creditor has the right to be paid in priority for the property if the debtor fails to perform the due debt. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

First, the influence of loans overdue:

First, late payment will affect personal credit. The lender borrowed money from the bank and failed to repay it within the time limit. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.

The second consequence is a high penalty interest, and you may have to pay a certain penalty. The result of repaying the principal and interest on time is to increase my economic pressure.

Third, if loans overdue, lenders or financial institutions have their own collection system. After the lender is overdue, the first-class collection will send you a text message and call you for a dunning. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue staff member should be prepared and try to pay off the money at the first time before solving it.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be subject to financial institutions. After the court accepted the case, a verdict was pronounced. This is a "repayment reward" that the lender must implement, otherwise, the proceeds from the auction will be used to repay the arrears.

Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, borrowing money is not controversial and will not rise to the criminal level. However, if the repayment is not made, if the circumstances are serious or bad, it will be investigated according to the circumstances, and if the circumstances are serious, it will be imprisoned.

Second, the loan matters needing attention:

1. When applying for a loan, the borrower can design a repayment plan according to his income level and live a regular life.

2. Choose two repayment methods with proper principal, and the repayment agreement shall not be changed during the whole loan period.

3. Repay on time every month to avoid penalty interest. Judging from the month after the loan was initiated, it was generally the negligence of the loan time in the next month, resulting in a penalty interest, which led to the failure to approve the loan application again.

Take good care of your terms and understand your rights and obligations.

Second, can banks mortgage cars?

The bank can, automobile mortgage.

1. Conditions for applying for automobile mortgage:

1. The loan applicant is a citizen of China with the age of 18-65;

2 have a stable economic income and the ability to repay the principal and interest of the loan;

3. The borrower has a good credit record and no bad credit record;

4. Legal and valid certification materials of mortgaged cars (vehicle registration certificate, etc.). );

5. Other conditions stipulated by the lending bank.

Second, the vehicle conditions:

1 and cars within 5 years;

2. Cars in this city;

3. There are formal procedures;

4.9-seat self-use vehicles;

5. A car in someone's name.

Three. Information on automobile mortgage preparation:

1, ID cards of both husband and wife;

2. Marriage certificate;

3. Bank runs on both sides for nearly half a year;

4. Social security card;

5, work permit or business license (including but not limited to real estate, other vehicles, wealth management, funds, stocks, precious metals and other financial certificates);

6. Vehicle registration certificate;

7. driver's license;

8. Compulsory insurance policy;

9. Owner's driver's license;

10, owner's temporary residence permit;

1 1. Letter of Commitment for Loan Purpose and Use Contract.

Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

The difference between mortgage and unsecured:

First, from the nature of loans, it belongs to credit loans, and mortgage loans belong to guarantee (or guarantee) loans;

Second, from the loan interest rate, the interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of mortgage loans;

Third, in terms of loan term, the loan term is relatively short, generally not more than three years. The term of mortgage loan can be long or short, one year or as long as 20 years. Less repayment pressure;

Fourth, from the perspective of loan amount: the amount is generally small, which is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

3. Can I get a loan from the bank by car?

You can apply for this loan from any bank, but only at the end of the year, because the bank controls the loan amount at the end of the year. You can only apply until June 5438+ 10. The amount of car mortgage is 50% of the appraised value of your car. Your car can continue to be used after it is mortgaged, but your car must be insured, and the first beneficiary of property insurance must be the bank.