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Second, what are the conditions for second-hand car mortgage loans?
Compared with the first-hand car, the second-hand car mortgage loan conditions are more stringent, and some banks refuse to accept the second-hand car mortgage loan business considering the risk of car loan. In short, second-hand car mortgage loans are not favored by banks. As a result, institutions other than banks began to do second-hand car mortgage business, and the most famous one in the industry is car loan. . . What are the requirements for second-hand car mortgage loan? Next, Bian Xiao tells you the conditions of the second-hand car mortgage loan.
Methods/Steps 1 Although some banks do not refuse second-hand mortgage loans, there are many conditions, and they must provide proof of vehicle intention, vehicle identification, seller's vehicle property certificate and annual inspection certificate of motor vehicles, and the amount of qualified loans does not exceed 50% of the total vehicle price. Some banks even said that the application for second-hand mortgage loans must be mortgaged by real estate, otherwise even if these five conditions are met, they will not be approved.
Second-hand car mortgage loans are not optimistic for two reasons. One is rapid depreciation, and the other is high credit risk. The reason that seriously affects the development of credit business is that the pricing of used cars can only be moved down on the basis of the current price of new cars, which greatly reduces the loan profit. And because it is different from new cars, the price appraisal of used cars is the key, and the price appraisal of used cars is more diverse and uncertain. Therefore, the price is not objective and fair, so banks have always stayed away from second-hand car mortgage loans.
Third, the green mortgage process of the vehicle management office?
Handling the automobile mortgage process:
The customer provides the information of the mortgaged vehicle;
The appraiser of the borrower evaluates the vehicle to be mortgaged;
The borrower and the lender negotiate the value of the mortgaged vehicle;
The borrower and the lender sign a vehicle mortgage contract and notarize it at the same time;
The borrower and the lender go to the vehicle management office for mortgage registration and relevant certificates;
The lender drives the vehicle to the parking lot designated by the borrower, gives all the car keys to the company for safekeeping, and the borrower issues a receipt list and pays the mortgage amount at the same time;
After the mortgage expires, the lender and the borrower go through the repayment and mortgage cancellation procedures, repay all the loans, and cooperate with the borrower's vehicle management office to go through the mortgage registration cancellation procedures and get the car keys;
After the loan expires, the mortgage will be released.
4. What are the requirements for vehicle mortgage loan?
Materials needed for mortgage car loan:
1. Second-generation ID card (residence permit is required for non-local household registration)
2. The borrower's own bank debit card
3. Motor vehicle registration certificate (official motor vehicle registration certificate issued by local dmv)
4. Motor vehicle driving license (official motor vehicle driving license issued by the local vehicle management office)
5. Vehicle spare key (1)
6. The original vehicle traffic compulsory liability insurance and vehicle commercial insurance policy (compulsory insurance policy) valid during the mortgage loan period.