Recommend a reliable loan without stopping. As long as the borrower has a car under his name and his comprehensive qualification meets the requirements of the platform, he can apply for a loan with a maximum loan of 300,000 yuan, and the customer does not need to mortgage the car.
When buying a private car by mortgage, the lending institution will ask the borrower to provide guarantee when handling the mortgage loan. There are seven kinds of guarantee methods: purchased vehicle mortgage guarantee, purchased vehicle mortgage guarantee plus third party guarantee, purchased vehicle mortgage guarantee plus phased guarantee, guarantee insurance provided by insurance company, guarantee provided by professional guarantee company, real estate mortgage guarantee and pledge guarantee. If the borrower chooses any of the first three guarantee methods, that is, the purchased vehicle has been mortgaged, then the loan cannot be mortgaged again. In this case, you might as well apply for automobile mortgage, and some lending institutions are still willing to accept it. If the borrower chooses any of the latter four guarantee methods and does not mortgage the purchased vehicle, he can still mortgage the loan. At present, the efficiency of various lending institutions is different, that is to say, some lending institutions can lend on the same day at the earliest, and some lending institutions need three to five days to lend.
Automobile mortgage is a form of credit loan, and borrowers can get loans with their own cars as collateral. This loan method is an effective solution for individuals or enterprises in urgent need of funds. Below we will introduce the application process, requirements and precautions of automobile mortgage in detail. I. automobile mortgage application process: 1. Preparation materials: The borrower needs to prepare relevant materials, including ID card, vehicle driving license, vehicle purchase invoice, vehicle registration certificate, etc. 2. Choosing an institution: The borrower needs to choose a formal financial institution or a professional car loan company to apply. Automobile mortgage is a form of credit loan, and borrowers can get loans with their own cars as collateral. This loan method is an effective solution for individuals or enterprises in urgent need of funds. Below we will introduce the application process, requirements and precautions of automobile mortgage in detail.
I. automobile mortgage Application Process:
1. Preparation materials: The borrower needs to prepare relevant materials, including ID card, vehicle driving license, vehicle purchase invoice, vehicle registration certificate, etc.
2. Choosing an institution: The borrower needs to choose a formal financial institution or a professional car loan company to apply. 3. Submit the application: submit the prepared materials to the selected institutions and fill in the relevant application forms.
4. Review and evaluation: The handling personnel review the application materials, evaluate the vehicles and determine the loan amount.
5. Signing a contract: After the loan application is approved, both parties sign a loan contract, stipulating the loan amount, interest rate, repayment period, etc.
Precautions for automobile mortgage:
1, most of the car mortgage is based on the mortgage certificate, not the car, which means that the relevant documents can be mortgaged to the lending institution to obtain a loan, and the car can be used as usual after GPS is installed. 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 you have prepayment;
4. When choosing institutions, borrowers should try to choose formal lending institutions. For example, banks, micro-loan work 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.
Note: the vehicle mortgage needs to be registered, and it is invalid if it is not registered: when registering the mortgage, the vehicle ownership certificate should be presented. If a mortgage contract is signed, encourage mortgage registration at the vehicle management office.