Automobile mortgage has been mortgaged since the signing of the contract, but it may not oppose a bona fide third party without mortgage registration. Automobile mortgage needs to go through the following procedures: 1. The lending institution receives the information provided by the applicant; 2. Visit the applicant's home, investigate and estimate the vehicle value; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities. Legal basis for loans: Article 11 of the Measures for the Administration of Automobile Loans, the lender shall establish the borrower's credit file. The borrower's credit file shall contain the following contents: (1) the borrower's name, address, valid identity certificate and valid contact information; (2) Proof of the borrower's income level and credit status; (3) car purchase agreement, vehicle type, engine number, frame number, price and purpose of car purchase; (4) The loan amount, term, interest rate, repayment method and guarantee; (5) loan collection records; (6)
2. What are the procedures for compulsory motorcycle insurance?
The documents required for motorcycle compulsory insurance are as follows: 1, motor vehicle driving license and driver's license of the insured; 2. The identity card of the insurer; 3. The original of compulsory insurance in previous years. The basic rate of compulsory insurance for motorcycles is 1, and the motorcycle premium is 50CC and below 80; 2. Motorcycle 50CC-250CC (inclusive) premium 120 side three-wheel premium 400.
The machine is called compulsory insurance). Compulsory traffic insurance refers to the insurance company's compensation to the victims (excluding the people on board and the insured) for the personal injury and property loss caused by the road traffic accident of the insured motor vehicle, and the national unified charging standard is implemented according to the national laws.
According to Article 11 of the Regulations on the Administration of Motor Vehicles, when applying for insurance, the applicant shall truthfully inform the insurance company of important matters.
Important matters include motor vehicle type, brand model, nature of use, name (name) of motor vehicle owner or manager, gender, annual driver's license number (organization code), motor vehicle accidents before renewal, and other matters as stipulated by the State Council Insurance Regulatory Authority.
Article 20 of the Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance: The insurance period of compulsory motor vehicle traffic accident liability insurance is 1 year, but in any of the following circumstances, the applicant may apply for short-term compulsory motor vehicle traffic accident liability insurance:
(1) Temporary entry of foreign motor vehicles.
(two) the motor vehicle is temporarily on the road.
(three) the motor vehicle is less than 1 year from the specified retirement period.
(4) the State Council Insurance Regulatory Authority.
It is recommended to purchase the following motorcycle commercial insurance:
(1) Car damage insurance. Motorcycle damage insurance refers to the accident of the insured motorcycle, which causes the insured motorcycle company to pay compensation according to the provisions of the insurance contract. In recent years, more and more young people play motorcycles, especially high-priced motorcycles. If you repair the car carelessly, you can get compensation for motorcycle damage insurance.
(2) Third party liability insurance. It refers to the economic responsibility that the insured or its licensed driver should bear according to law when an accident occurs in the process of using the insured vehicle, causing personal injury to a third party or direct property loss, and the insurance company is responsible for compensation. Three insurances are to protect the personal and property safety of others. Although there is an accident, it does not mean that the probability of an accident is zero. If there is an accident, you can reimburse it through the three insurances.
(3) Accident insurance for people on board, especially motorcycle drivers. The main protection responsibilities of accident insurance are accidental death, accidental disability and accidental medical treatment. The insurance coverage of accident insurance must be sufficient, and minor accidents may be tolerable, but extreme accident risks cause great losses, and only sufficient insurance coverage can make up for economic losses as much as possible.
Legal Basis: Interpretation of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Road Traffic Accident Damage Compensation Cases Article 16 Where a motor vehicle is insured with compulsory motor vehicle third-party liability insurance (hereinafter referred to as "compulsory traffic insurance") and commercial third-party liability insurance (hereinafter referred to as "commercial third-party liability insurance"), the people shall determine the liability for compensation according to the following provisions: (two) the insufficient part shall be compensated by the insurance company that underwrites the commercial third party insurance according to the insurance contract; (3) If there are still deficiencies, the infringer shall make compensation in accordance with the relevant provisions of the Road Traffic Safety Law and the Tort Liability Law. If the infringer or his near relatives request the insurance company that underwrites compulsory insurance to give priority to compensation for mental damage, the people should support it.
Third, the motorcycle loan application process?
How to buy a motorcycle by installment?
If you buy a motorcycle by installment, you can go to a direct-sale store, choose the model you are satisfied with and buy enough. Now there are more kinds of goods on installment, and consumption has also increased. Installment motorcycle can relieve the pressure of customers with tight funds, and it is easy and stress-free. Customers who pay by installment choose their favorite models in the store and pay by installment. When paying by installment, you should bring your ID card, household registration book, bank card and company address to the store. They can handle it directly without any mortgage. As long as your credit is ok, you can generally borrow by installments, and there must be some interest when you pay by installments. Interest will be higher if the installment time is long. After buying a motorcycle by installment, be sure to pay back the monthly money on time, which will improve your credit. After your credit is improved, it will be easy to do other business.
4. What procedures do I need to go to the vehicle management office to handle the vehicle mortgage loan?
I need my ID card, vehicle purchase bill, vehicle commercial insurance, compulsory insurance, ID card and residence certificate, as well as proof of income, as long as I have the above information!