Three months. Generally, you can't get a loan immediately after registration, and it takes three months to apply. It takes three months to get a loan when the car is transferred to the wife's name.
Can I get a loan for a used car that has just been transferred?
The car has no loan and no mortgage, of course, as long as the procedures are complete, but the evaluation price is very low.
Can the transfer car be mortgaged?
Newly transferred vehicles can apply for mortgage loans. As long as you have a good credit record, no bad record, and the bank flow meets the requirements, you can apply for a mortgage loan in the bank.
Automobile mortgage.
Many people sometimes choose mortgage loans to obtain funds, among which cars and real estate are common collateral. Then, let me tell you, if you use a car as collateral, can you transfer the loan car?
Can I transfer the loan car?
If you apply for a car mortgage, the car has been mortgaged to the lending institution before the loan is paid off, and the individual has no right to buy, sell or transfer the car. After the car loan is paid off, the borrower can handle the mortgage cancellation formalities with the receipt to the relevant department before the vehicle can be transferred.
Some people give up halfway and can't pay off the balance. They plan to withdraw funds by transfer, but they can't transfer their car loans until they are paid off.
Loan vehicles need to provide paid loan documents when handling the transfer procedures. If the vehicle is not paid off, the vehicle will also help the bank, and the owner has no right to transfer the vehicle to others. In addition, if the owner fails to repay the loan on time or evades repayment, the bank will use the funds obtained from the auction of mortgaged vehicles to pay off the balance and reduce the loan loss according to the auto loan contract.
Can I sell the car I bought with a loan?
Friends who have handled car loans all know that if they choose to buy a car by loan, whether they are looking for a bank loan or a company, their cars are mortgaged to lending institutions. The loan applicant does not own the property right of the car.
As the loan applicant doesn't own the property right of the car, he can't handle the transfer and sell his car. Can I sell the car I bought with a loan? It can't be sold before the mortgage registration is cancelled. But what can we do?
If the lender really wants to sell the car, he can pay off the loan he owes first, and then go through the formalities of canceling the car mortgage, so that he can transfer the ownership and sell the car.
Therefore, after handling automobile mortgage, the borrower has no right to sell the mortgaged car before paying off the loan and canceling the mortgage formalities.
Can the newly transferred car be mortgaged?
Of course. If the car has been transferred, that is, in my name, it can be used as collateral, but it is unknown whether the bank will mortgage the car, and even if it can, there will be restrictions on the value of the car. For example, there may be more than 300,000 cars in soft regulations.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. 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.
Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:
(a) buildings and other land attachments;
(2) The right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and aircraft under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
Article 400 To establish a mortgage, the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses:
(1) The type and amount of secured creditor's rights;
(2) The time limit for the debtor to perform the debt;
(3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.
Article 419 During the limitation of action for principal creditor's rights, the mortgage right shall be exercised by the mortgagee. If it is not exercised, people will not be protected.
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. The purpose of a loan secured by a car is mainly to be quick. (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 50-80%. )
Cancel registration:
Article 22 of the Regulations on Motor Vehicle Registration clearly stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply to the vehicle management office at the place of registration for mortgage registration. Hold the motor vehicle registration certificate, the identity certificate of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, and affix the official seal of the unit to the relevant window for handling.
The information and procedures required for deregistration are the same as those for registration.
Just now, did Ping An Bank transfer to auto mortgage loan?
If the vehicle has completed the transfer procedures, that is, in your own name, you can mortgage the loan, but the loan is evaluated according to your comprehensive qualifications, and whether it can be approved depends on the actual results of the loan bank. Ping An Bank's auto mortgage is a loan product, with the maximum loan amount of 500,000-500,000, the maximum loan amount 100% and the fastest loan time 1 day. The loan amount is used for legitimate personal consumption and operation. 1. Application conditions: ① The age is 25-55 years old (inclusive), and customers who purchase performance insurance can be relaxed to 22-60 years old (inclusive); ② The mobile phone number needs real-name registration for one year; ③ Good credit record; (4) The vehicle has been purchased for no more than 7 years (subject to the date of first registration), and the mileage, marriage certificate, residence certificate, asset certificate, vehicle registration certificate and loan use certificate; 3. Loan term: there are 12 installments, 24 installments and 36 installments. If you need funds, you can log in to Ping An Pocket Bank APP- Loan-Car Loan to try to apply.