What are the requirements for a mortgage car loan

1. Be 18 years or older and have full capacity for civil conduct;

2. Have a fixed residence in China Chinese citizens who have lived and worked locally for a long time and have ownership of local mortgaged vehicles;

3. Have a stable job and economic income and can guarantee the repayment of loan principal and interest on schedule;

4. The personal credit is good, and there are no overdue, tx or other bad credit records on the credit report.

The above are the basic conditions for applying for a car mortgage loan, but different lending banks or lending institutions will have slightly different conditions. It is recommended to consult the staff of the lending bank or lending institution before applying.

When applying, you must also prepare identity documents such as ID card and household register. If you have a non-local household registration, you must also prepare a valid temporary residence permit or residence permit. Proof of employment and income must also be prepared. There are also related materials such as motor vehicle registration certificate, motor vehicle driving license, purchase surcharge certificate, vehicle insurance documents, vehicle and vessel tax payment certificates, car purchase invoices, and car purchase agreements signed with dealers. What are the requirements for a personal vehicle mortgage loan?

Vehicle mortgage loans are private loans, and banks do not have this business. For a mortgage loan, you need to take the motor vehicle registration certificate (big green copy) to the local vehicle management office for mortgage registration. Conditions: The car has been paid in full, or the installment payment has been completed, that is, the vehicle is no longer mortgaged. Such a car can be mortgaged without any special conditions. You can go to the local vehicle management office with the original and copy of the ID card of the car owner and mortgagee, and the mortgage contract. It is very simple. What are the conditions for a mortgage car loan?

Vehicle mortgage loan conditions:

1. Chinese citizens who are over 18 years old, have full capacity for civil conduct and have a fixed residence in China.

2. Have a stable career and financial income, and be able to guarantee regular repayment of loan principal and interest.

3. Can provide guarantee measures recognized by the loan bank for car mortgages.

4. The lender holds local title to the mortgaged vehicle.

5. The lender should have the vehicle registration certificate, driving license, car purchase surcharge voucher (original) and car purchase invoice.

6. Provide insurance policies, vehicle and vessel tax and tax certificates related to imported vehicles.

7. The lender has a good personal credit record.

8. Other conditions of the lending institution.

The above are general vehicle mortgage loan conditions. Friends who want to apply for a vehicle mortgage loan can check whether they meet the conditions for a vehicle mortgage loan. If you meet the above vehicle mortgage loan conditions, you can generally get the loan smoothly when applying for a vehicle mortgage loan.