Nowadays, it is getting easier and easier to buy a car. Most people have their own cars. In fact, cars can not only be used for daily transportation, but also solve the financial problem at critical times. Of course, choosing a vehicle mortgage loan requires a formal and reliable platform, such as Ping An Pratt & Whitney under Ping An Group and a website dedicated to issuing consumer loans. Let's take a look at this car owner loan.
First, the advantages of Ping An Pratt & Whitney car owner loan
1, exclusive to auto insurance customers.
If you choose Ping An Bank's annual auto insurance, it is most suitable for this product, which has advantages in quota and pass rate. You can submit the relevant information directly, of course, any other commercial auto insurance policy can also be used.
2. Don't take the car or card.
Many people are worried about putting their cars there or getting a driver's license in a car mortgage. They always feel uneasy. Ping An Pratt & Whitney does not need to bet on this product, relying on credit loans.
Second, Ping An Pratt & Whitney car owner loan application conditions
Age requirement: 23~55 years old, suitable for office workers.
Income requirement: After-tax income is above 3,000 yuan/month.
Residence requirements: currently living for more than 6 months, and living or working in the application place.
Applicant's requirements: it must be the owner, and there is no car loan for the vehicle under his name. Must have paid for the full car.
Automobile insurance requirements:
1) The applicant, the owner and the insured are consistent.
2) Vehicle insurance is within the validity period.
3) Support commercial auto insurance policies of all insurance companies, especially Ping An Bank.
Three, Ping An Pratt & Whitney car owners loan application materials
1) identification: second-generation ID card.
2) Vehicle certification materials: driving license and vehicle registration certificate, in which there is no revoked vehicle mortgage registration.
3) Vehicle insurance materials: commercial insurance policy and compulsory insurance policy, both of which must be within the validity period.
To sum up, if you want to apply for a car owner loan, you may wish to consider Ping An Pratt & Whitney, which is a product that can be applied regardless of the model, vehicle price and local location. The interest rate of bank loans will be much lower than that of private car loan networks.
If I buy Ping An insurance for my mortgaged car, can I get an owner's loan?
The first case: credit card mortgage is ok, because the safe car owner loan requires the applicant to have a registration certificate, and the car mortgaged by credit card has a registration certificate, which is the green book.
In the second case, the customer's Ping An auto insurance was purchased by telephone. This case can be applied because Ping An gave a pre-credit line according to the customer's credit status at that time.
In order to bring more convenience to car owners and avoid trouble when they choose insurance types, Ping An Online Auto Insurance has specially launched "Basic", "Volkswagen" and "All Risks" insurance packages:
fundamental form
The basic model provides basic protection for the loss of third parties and their own vehicles, and the cost is low. Suitable for old drivers with advanced car skills and used cars that only need basic protection.
conventional type
On the basis of the basic model, the popular models have added theft insurance, vehicle personnel liability insurance and glass insurance, and increased the coverage of three major types of insurance, including four most necessary and valuable types of insurance. The premium is not high, but the common risks of car use are basically guaranteed. It is the most cost-effective combination of insurance types and the package with the largest number of insured persons.
All-risk type
All insurance covers all kinds of auto insurance, and almost all car-related accident losses can be compensated. For new cars with comprehensive auto insurance requirements, car owners or novices can consider this package combination.
Of course, if the owner is very familiar with the knowledge of auto insurance, he can also customize the auto insurance combination according to his own conditions, car condition and driving habits, and choose the auto insurance that suits him best.
Extended data:
Car purchase process
1. Lead customers to select cars at the bank's special dealers and sign car purchase agreements or contracts;
2. The borrower applies to the loan bank for personal automobile mortgage;
3. Sign the contract with the consent of the investigation;
4. Go through the formalities of notarization and mortgage of automobiles;
5. Lenders (banks) handle loans;
6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.
Required procedures:
To successfully apply for a loan, you need to meet the standards set by the bank. The following is the information that must be provided to buy a car by mortgage.
1, original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the Cooperation Organization.
After providing these procedures for mortgage car purchase, you need to meet some other conditions before applying for car purchase:
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
After meeting the above conditions for buying a car by mortgage, you can go through the formalities smoothly. Just go to the loan bank to apply for a personal automobile mortgage. In addition, after providing these materials, the bank needs to review and confirm them before approving them.