Borrowers can apply for automobile mortgage if they have a car in their name, but banks generally don't do business in automobile mortgage, because cars depreciate rapidly and traffic accidents will affect the value of vehicles. At present, companies, pawn shops, loan intermediaries and other institutions handle business in automobile mortgage. The expected annualized interest rate of the loan is high, and the borrower is under great repayment pressure, so the loan term is mostly short-term.

Automobile mortgage has the following two ways:

I. Mortgage loan

That is, the mortgaged vehicle needs to be kept by the lender, and the owner cannot use the vehicle during the loan period.

Second, the way of not pledging the automobile pledge card

That is, after the mortgage formalities are completed, the owner can continue to use the car without handing it over. Generally, it is necessary to install GPS in the car in the form of pledge certificate, not in the car. Moreover, the initial installation fee needs to be paid by itself, and the fees charged by major institutions are different.

Do you have a car to mortgage?

Cars are collateral recognized by financial institutions and can be used to apply for mortgage loans. However, cars are consumables and wear and tear every year. Therefore, if you apply for a loan with a car as collateral, the loan period and loan amount will be limited to some extent. Common collateral is generally real estate, which belongs to real estate, and financial institutions have higher recognition of real estate than cars.

Of course, as long as the user's car meets the mortgage conditions, it can be used to apply for a mortgage loan. Compared with credit loans, the amount of mortgage loans will be higher.

Extended information

Mortgage classification

Bank mortgage loan

1, personal housing loan

1, personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a self-operated loan in which a natural person with full capacity for civil conduct buys a self-occupied house in the urban area of this city, and the purchased property house is used as collateral. Repay the loan. And apply to the bank for commercial housing loans.

2, personal housing provident fund loans

Personal housing provident fund loans are entrusted loans issued by policy housing provident fund. Refers to the workers who pay the housing provident fund in the urban area of this city and purchase, build, transform or overhaul their own houses. The housing provident fund loan applied to the bank is used as a guarantee for repayment of the loan.

3. Individual housing portfolio loans

All borrowers who meet the requirements of commercial loans for individual housing pay the housing provident fund at the same time, and apply to the bank for personal housing provident fund loans at the same time when applying for commercial loans for individual housing, that is, the borrowers will use the purchased urban self-occupied housing as collateral. You can apply to the bank for personal housing provident fund loans and personal housing commercial loans at the same time (this loan method is called personal housing portfolio loans).

2. Enterprise mortgage loan

Enterprise loan target: small and medium-sized enterprises in good operating condition in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 to 65.438 billion yuan.

Basic requirements:

1. Holding a loan card issued by the People's Bank of China, with no bad credit record.

2. The company has been registered and operated for 1 years, with an annual turnover of more than 3 million in the previous year.

The comprehensive interest rate handling fee is generally between 8%- 14%.

If I have a car in my name, can I get a loan from the bank?

Of course. 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%.

Extended data:

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%. )

Value:

Get cash flow quickly, don't sell the car, so it will take a lot of time and cost to buy a car when you come over.

Avoid the embarrassment of borrowing money from relatives and friends, and avoid others knowing about you.

I don't need a local hukou. As long as the car is my own, I can get a mortgage.

You don't need to make an appointment for a long time, as long as it is a regular and legal car, you can get a loan, and you don't need any deposit in the early stage. As long as it is a legal car, a qualified car, a banned car, an assembled car and so on. If necessary, criminal investigation and inspection can be carried out on the car or it can be handed over to the public security organ for handling.

Flexible, when the funds are withdrawn, the car can be returned immediately without penalty.

Get it right away. It is the best choice for short-term investment and short-term turnover. Because this society needs a car, it has feelings after using it, wasting time and energy to sell it to get turnover.

Car mortgage "GPS mortgage loan service" customers who do not need to pick up the car can continue to use the car after handling the mortgage procedures. 1) Free driving without stopping. 2) The procedure is simple, and it will be received on the same day. 3) Free choice of loan term and free and flexible repayment method. 4) The assessment amount is high. 5) No pre-loan fee is required.

Requirements and materials for applying for car loan service for car mortgage:

Have a stable job, and the applicant has the ownership of the local mortgaged vehicle.

Proof of long-term residence and work, occupation and economic income in this city

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

Insurance policy, travel tax, relevant tax certificates for imported vehicles.

Identity card (temporary residence permit or residence permit provided by non-local account customers within the validity period)

Other documents required by the Cooperation Organization.

If I have a car in my name, can I get a loan from the bank?

Having a car in a bank may not be able to get a loan, but it can only be handled if it meets the loan conditions of the bank.

As long as a customer with a car under his name maintains good personal credit, has a stable and legal source of economic income, and has the ability to repay the principal and interest of the loan on time, he can go to any bank for a loan or use the car under his name as collateral.

Of course, if you want to use a car as a mortgage to get a loan, and the car itself is bought by a loan and has not been paid off, it is best to pay off the car loan first, and then apply for a car mortgage loan; Or you can go to a bank that provides secondary mortgage business, such as Industrial and Commercial Bank of China, China Merchants Bank and so on.

Matters needing attention in bank loans

Define the loan amount: when applying for a loan, the application amount should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should apply for loan amount according to their repayment ability to avoid economic pressure caused by high monthly payment.

Keep good credit information: keep a good credit information status. If the credit information is seriously overdue (three times in a row and six times in overdue repayment) or bad debts, the loan amount will be reduced to increase the loan interest, and the loan will be directly refused in serious cases.

Is there a car that I can borrow from the bank?

As there are many kinds of loans from China Bank, if you have loan needs, you are advised to consult the local outlets of China Bank in detail.

For more information, please call the customer service hotline of China Bank at 95566.

The above contents are for your reference. Please refer to the actual business regulations.

If I have a car, can I get a loan from the bank?

You can go to the bank for a loan if you have a car.

When you borrow money from a bank, you need to meet some basic conditions before you can borrow money. These conditions are mainly to ensure that the lender has sufficient repayment ability.

As a basic condition, the lender needs to be 18 to 65 years old, have a fixed job and have a fixed monthly income.

Secondly, if you want to buy a house or a car with a loan, you need a guarantee or mortgage.

If you have a car to go to the bank for a loan, you can apply for a loan with the car as collateral, so that the loan can be passed more easily.

Therefore, if you have a car, you can go to the bank to apply for a loan, which can also have a good influence on the loan application.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Loan skills

Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.

1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.

4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.