Hefei automobile mortgage knowledge that can't be missed.

Hefei automobile mortgage knowledge that can't be missed.

As the saying goes, "Never fight an unprepared battle". Although loans are very common now, it generally does not mean that loans can be easily obtained. I have met many customers who think too simply about loans, resulting in inadequate preparation and mistakes in details. Today, let's see what preparations we need to make if we want to apply for a mortgage loan in Hefei.

First of all, we must understand the most basic application conditions in automobile mortgage:

1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.

2, living and working in the city for a long time, to carry out business occupation and economic income.

3, motor vehicle registration certificate, driving license, purchase tax certificate (this), car purchase invoice.

4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.

5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers)

6. Other documents required by the Cooperation Organization.

Secondly, let's look at a question that many people are particularly concerned about, that is, when applying for automobile mortgage, do we have to take a taxi?

In fact, there are two kinds of car mortgage, one is impounded car, the other is impounded car and non-impounded car. Borrowers can use vehicles for free instead of cars through pledge vouchers, but this loan method has high cost and low quota; Mortgage loans are not only high in amount, but also more likely to be approved.

Next, let's take a look at how long it will take to get the funds after the auto loan is approved. At this point, the efficiency of various financial institutions is different, some can lend money on the same day at the earliest, while others need three to five days to lend money.

Finally, let's take a look at the precautions:

1, most cars are mortgaged with a mortgage card instead of a car. That is to say, as long as you mortgage the relevant documents of your car to a lending institution, you can get a loan, and the car can be used as usual after installing gps. 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 you need a long-term loan, you should not use the car as collateral to borrow money;

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 there is prepayment.

4. When choosing institutions, borrowers should try to choose formal lending institutions. Such as banks and small loan companies 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.

Generally speaking, there is not much to learn about automobile mortgage, but it contains many details that need our attention. Preparing in advance can improve our chances of getting a loan to a greater extent.