At present, some well-known domestic banks, such as Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China and China Construction Bank, have the fastest mortgage loans. Other bank loans may be delayed by one month, but ICBC can complete them in five days at the earliest, so the loan efficiency and speed will be faster.

If you choose private banks, the well-known banks are Everbright, China Merchants, Xingye, Minsheng, CITIC and Communications. Among these banks, China Everbright Bank has the fastest mortgage loan when all banks need the same loan information.

Therefore, it is definitely easier for people with good qualifications to borrow money. But people with poor qualifications should not be discouraged, because different bank loan policies are different. If you only consult one bank that does not meet the loan conditions, you can actually consult several banks, shop around and choose the right bank loan.

To apply for automobile mortgage in a bank, you should meet the following conditions:

1, requiring the applicant to be 25-55 years old and have a stable income at present;

2. The vehicle certificate under its name is complete and there is no guarantee at present;

3. For the mortgaged car, the bank requires that the car age is less than 5 years and the journey is less than 80,000 kilometers;

4. The current appraisal value of the mortgaged car should be above 70,000 yuan.