Get ID card, vehicle license, etc. If it is really necessary to mortgage the vehicle, it is necessary to go through the mortgage registration formalities with relevant valid documents to avoid unnecessary losses.

To apply for mortgage registration, an Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration shall be filled in. Where a motor vehicle owner mortgages a motor vehicle, it shall be jointly applied by the motor vehicle owner (mortgagor) and the mortgagee, and the following materials shall be brought to the traffic management department of the public security organ where the motor vehicle is located to apply for mortgage registration:

(1) Identity certificates of the mortgagor and mortgagee;

(2) Motor vehicle registration certificate;

(three) the main contract and mortgage contract concluded by the mortgagor and the mortgagee according to law.

Extended data:

Matters needing attention

1, most cars are mortgaged with a mortgage card instead of a car. That is to say, as long as you mortgage the relevant documents of your car to a lending institution, you can get a loan, and the car can be used as usual after installing GPS. Therefore, before making a mortgage, we must first understand whether the car mortgage has a mortgage, and try to avoid the institutions that want to mortgage the car;

2. automobile mortgage's funds are often used for short-term turnover. If long-term loans are needed, it is not applicable to borrow money with cars as collateral;

3. Because automobile mortgage often produces higher expenses, if you choose a vehicle mortgage loan with a long cycle, you can try to repay it in advance if there is prepayment.

4. When choosing institutions, borrowers should try to choose formal lending institutions. Such as banks and small loan companies in industrial and commercial registration. Only on this basis can we truly protect our legitimate rights and interests, and once disputes arise, the law can solve them.

Relevant regulations

(1) Determination of loan interest rate: The lender determines the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specifies it in the loan contract;

(II) Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

(3) Loan interest subsidy: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may subsidize the loan interest. Loans subsidized by relevant departments shall be independently examined and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of the General Rules for Loans.

(4) Stop, interest and interest loan: Except as stipulated by the State Council, no unit or individual has the right to decide to stop, interest and interest. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.

References:

Baidu Encyclopedia: Automobile Mortgage

What documents do you need to mortgage a car?

Mortgaging a car requires the following documents:

Copy of owner's ID card, mortgage contract, owner's fingerprint, owner's driving license and vehicle. It is also necessary to submit the identity certificate of the agent (the agent is a unit, and the identity certificate of the agent is also required) and the written authorization of the owner.

These are all essential and need to be handed in at the time of mortgage. If it fails to pass the examination, it needs to be prepared again.

Do I need a driver's license to register my car mortgage?

Car mortgage registration does not require the mortgagor's driver's license, only the mortgage vehicle driving license.

At present, there are no relevant regulations on whether to apply for a car loan, as long as the loan application conditions are met and complete loan application materials are provided. Relevant materials include: car loan application; Personal valid identity documents; Proof of residence; Proof of the lender's income; Certificate of intention to buy a car issued by the car dealer; Proof of down payment for car purchase.

The preparation materials for handling automobile mortgage are as follows:

1. Original and photocopy of the mortgagee's identity certificate (official seal is required).

2. The original mortgage contract.

3. The original and photocopy of the motor vehicle owner's identity certificate (the unit vehicle is the original and photocopy of the organization code certificate, and the temporary population also needs to provide the original and photocopy of the valid residence permit).

4. Power of attorney of the mortgagee and power of attorney of the motor vehicle owner (with official seal and cheque stamp).

5. Motor vehicle registration certificate.

6. If it is an agent, the original and photocopy of the agent's identity certificate are also required.

7. Fill in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.

Related problems in automobile mortgage

(A) Frequently asked questions

If there is no mortgage registration, will the car mortgage take effect? (Common in private lending) According to the Property Law, the registration system takes effect when real estate and related rights are mortgaged, while the registration system is implemented when movable property such as production equipment and means of transportation are mortgaged. According to this regulation, automobile mortgage is registered against the system, and failure to register will not affect the validity of the contract.

Although the "Guarantee Law" stipulates that the vehicle mortgage will take effect after registration, that is, the mortgage contract will take effect from the date of registration. However, according to the principle that the new law is superior to the old law, Article 178 of the Property Law stipulates: "If the guarantee law is inconsistent with this law, this law shall apply." Therefore, automobile mortgage has legal effect as long as a contract is signed.

(2) Precautions

1, most cars are mortgaged with a mortgage card instead of a car. That is to say, as long as you mortgage the relevant documents of your car to a lending institution, you can get a loan, and the car can be used as usual after installing GPS. Therefore, before making a mortgage, we must first understand whether the car mortgage has a mortgage, and try to avoid the institutions that want to mortgage the car.

2. automobile mortgage's funds are often used for short-term turnover. If you need a long-term loan, it is not applicable to borrow money with a car as collateral.

3. Because automobile mortgage often produces higher expenses, if you choose a vehicle mortgage loan with a long cycle, you can try to repay it in advance if there is prepayment.

4. When choosing institutions, borrowers should try to choose formal lending institutions. Such as banks and small loan companies in industrial and commercial registration. Only on this basis can we truly protect our legitimate rights and interests, and once disputes arise, the law can solve them.

Can I get a car loan without a driver's license?

Under normal circumstances, you need to provide a vehicle driving license to apply for a vehicle mortgage loan. Without a driving license, it does not affect business. Need money badly? Find a safe way! You can get a loan if you have a car! Specifically, you can go to Anmeitu Car Loan Company to learn that the company has simple procedures and lends money on the same day. It is a licensed formal enterprise and has been focusing on car loans for more than ten years.

Conditions and procedures for applying for automobile mortgage:

1, owner's ID card.

2. Motor vehicle driver's license.

3. Motor vehicle registration certificate.

4. Vehicle compulsory insurance and vehicle commercial insurance policies within the validity period.

5. Vehicle spare key.

Want to know more about car mortgage, it is recommended to consult Anmeitu car loan. Anmeitu car loan is backed by the strong financial strength of Anmeitu Group, and the loan interest rate has an advantage in the industry. Fees are open and transparent, and there are direct stores in Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang. The service is very professional and has a good brand awareness in the automobile mortgage industry. Customers have many product choices, flexible operation and standardized process, and have a good reputation among old customers.