1. Bring valid personal identification and vehicle driving license to the bank or financial institution to apply for vehicle mortgage loan;
Two, fill in the vehicle mortgage loan application form;
Three, the bank spent a week or so to review the qualifications of borrowers;
Four, through the audit, the vehicle mortgage registration procedures;
Verb (abbreviation of verb) signs loan contracts and mortgage contracts with banks;
Six, bank loans, borrowers can repay the contract.
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 loan with car as collateral is mainly for quick capital turnover. (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%. )
Article 22 of the Regulations on Motor Vehicle Registration clearly stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply to the vehicle management office at the place of registration for mortgage registration. Hold the motor vehicle registration certificate, the identity certificate of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, and affix the official seal of the unit to the relevant window for handling.
The information and procedures required for deregistration are the same as those for registration.
Generally speaking, domestic banks do not provide automobile mortgage services, so it is generally necessary to find private professional credit institutions to apply for such services. For example, automobile mortgage service is a short-term microfinance service for small enterprises, individual merchants and entrepreneurs.
"Car loan" is divided into two forms: parking and non-parking. Escort car: Give the car to the company for safekeeping. There is a parking lot dedicated to parking the car, and there is a special person to watch it 24 hours a day. Lights the car regularly to warm up. Don't mortgage the car: customers can choose to just put the formalities in the company, or use the car for their own use, and need to apply for mortgage registration. The loan business is flexible and fast, and the amount can generally reach 70-80% of the assessed amount. Generally, the loan can be released on the same day when the formalities are complete. Mandatory provisions on vehicle mortgage loan: the car under the name of an individual, the full amount, and the car within the service period.