You don't need a mortgage ID card to buy a car.

Handling process of automobile loan:

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

② Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

(4) Finally, the borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

2.202 1 how many months is the pledge license?

Generally, the new car mortgage loan is 2 years, 3 years and 5 years. But it can be repaid in advance, and the general loan can be repaid in advance after 6 months.

Note that some new cars are interest-free loans, because fees and other expenses have been paid in advance. There is no need to return it in advance.

Third, there is no mortgage.

Spread out completely

If you don't have a car loan, you can find me in Beijing. If you don't apply for a car loan on the same day, you can apply for a Beijing brand full car or a car in your own name.

4. Is it safe to pledge a car without pledge?

In essence, automobile mortgage is a product launched by loan companies to meet the needs of more users. Borrowers who need to apply for loans in automobile mortgage, it is best to find a local loan company to apply for loans. When borrowing money, the borrower must remember not to pay any fees before getting the loan funds to avoid being cheated. The following automobile mortgage certificate does not pledge whether to pledge the automobile: institutions that want to pledge the automobile should try to avoid it before mortgage. 2. Long-term loans are not applicable to automobile mortgage: the funds of automobile mortgage 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. Paragraph often leads to higher costs, so if you choose a vehicle mortgage loan with a long cycle, those who have the ability to repay in advance can try to repay in advance. 4. Choose a formal lending institution: The borrower should try to choose a formal lending institution. Such as banks and electronic distribution agencies in industrial and commercial registration. Once you have your own legitimate rights and interests, it is easy to solve them through law.