Car loan picture template

Conditions and procedures for car mortgage loans

The conditions for car mortgage loans are:

1. The applicant must be over 18 years old and have full capacity for civil conduct. ;

2. Have good personal credit, and no bad information is recorded in the credit report;

3. Have a stable and legal source of economic income, and have the ability to repay the principal and interest of the loan on time;< /p>

4. The mortgaged vehicle has a certain value and the ownership is clear (each bank and lending institution may have different regulations on vehicle life and mileage, please consult customer service for details).

The process for a car mortgage loan is as follows:

1. Prepare your personal ID card, local household registration book or temporary residence permit, proof of economic income (such as bank statements, deposit certificates), and car driving license , vehicle registration certificate, driver's license and other relevant materials to submit a mortgage loan application to the bank/loan institution. After receiving the application form and filling it out, submit the form together with the information to the staff.

2. The bank/loan institution will review the information provided by the applicant and arrange for an appraisal agency to evaluate the vehicle value. If approved, the loan amount will be approved.

3. After receiving the approval notice, promptly go to the bank/loan institution outlet to sign the loan contract, and go to the local vehicle management office to handle the vehicle mortgage registration procedures.

4. Banks/lending institutions issue loan funds.

Please click to enter the picture description (maximum 18 words)

Does this picture mean repayment of the car loan?

This is the car owner who applied for early repayment in advance. Operation tips for repayment. If it is operated by the car owner himself, the source of the SMS should be trustworthy. Follow the SMS instructions to repay the loan in advance. If there is anything unclear, you can call the other party’s financial company to ask for clarification before proceeding. If it is related to your own interests, you need to operate with caution.

The process of the car loan process

1. Select the product that requires a car loan;

2. According to your own situation, apply for a universal car loan package and service on the spot;

3. The staff will review and approve the loan;

4. Sign the contract to pick up the car at the store;

How to get a mortgage car loan

1 .You can apply for a mortgage. As long as your car is purchased through formal channels, you can submit a car mortgage application to the bank to solve your funding needs.

2. A car mortgage loan is a loan obtained from a financial institution or automobile consumer loan company using the borrower's or a third party's car or a self-purchased car as collateral. Currently, loans using cars as collateral are mainly used for car consumption. Of course, cars depreciate quickly, and traffic accidents are more likely to affect the value of the vehicle. There are relatively few ways for financial institutions to issue loans using a car as a single mortgage.

Please click to enter the picture description (maximum 18 words)

Legal basis: Article 22 of the "Motor Vehicle Registration Regulations" stipulates that "the owner of a motor vehicle mortgages his motor vehicle , you should apply for mortgage registration at the vehicle management office at the place of registration. Hold the motor vehicle registration certificate, mortgagee and mortgagor identity certificate → fill in the "Motor Vehicle Mortgage/Cancellation of Mortgage Registration Application Form" and stamp it with the official seal of the unit at the relevant window.

Article 12 of the "Interim Measures for the Administration of Personal Loans"

Lenders should require borrowers to submit personal loan applications in writing and require borrowers to provide evidence that they meet the loan conditions.

How many years can a car loan be loaned?

A car loan can be loaned for up to 5 years, but it is usually 3 years or less. Apply for a 5-year car loan. The requirements are relatively strict, and only some banks support 5-year terms, such as Bank of Communications and Bank of China. Minsheng Bank, China Construction Bank, etc. generally only have 3-year terms, and manufacturer finance can also only apply for 3-year terms at most. The term is more stringent regarding the nature of the user's car and the applicant's requirements.

Car loans are divided into five years. The user's monthly repayment pressure is small, but the total interest cost is high, and if the loan is for 2 or 3 years. year, the interest will be lower. Moreover, if the user applies for a car loan, he may also get an interest-free installment discount, so the total cost will be relatively small.

When applying for a car loan, the information It is relatively simple. You need to provide the user's ID card, credit report and income. If there are no obvious risk points, it is relatively easy to pass.

If your qualifications and credit are poor, you can find a *** to apply together with the repayer or guarantor and guarantee company.

Please click to enter the picture description (maximum 18 words)