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Can I still buy a car loan? Anyone understand?

Asked by: @a. *** City: Nationwide Tags: Loans Question Time: 2017-12-31 15:09
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  •             Enthusiastic users
    2018-01-01 18:36
            Yes, but the mortgage cost is relatively high, which is actually not very cost-effective for a car like this kind of consumer product. However, if you use a car to do business, this may be a bit short for your capital pressure in a short time, Cash for business. Specifically you can ask the car dealer, they will introduce you to the guarantee agency, but the specific price you and the guarantee agency to negotiate the carMortgage LoansProcess: 1, to the bank with the cooperation of qualified dealers at the car and sign a car purchase contract in the contract to indicate the price you require, taxes, insurance payments and how much the remaining balance of mortgages. Can not let the dealer write a general price in the vehicle how much the price. 2, at the dealer (you can also Bank) fill in the loan application note loan amount and duration. 3, bring the relevant documents (usually ID card, marriage certificate,Proof of income, Driver's license - can be someone else's, driver's license, vehicle registration certificate) and your spouse (if any) with the dealer. 4. Sign the loan contract, chattel mortgage list and other related instruments in the bank (banks usually require face to face signature in case of fraud is also best for you) Check the loan amount with the bank staff again and calculate the loan amount according to the loan amount Calculate mortgage per period and performance bond coverage (This insurance is calculated by monthly mortgage * Total number of loans *% of loan years) This insurance is at youEarly repaymentAfter the part can be returned (early loan repay friends do not forget to ask for a general bank will be a proof to let you to the designated insurance company to receive). Note here: if you are careful, you can ask ... yes, but the mortgage is relatively high, which is not really cost-effective for a consumer car, but if you do business with a car, In the short term, you will have less pressure on the funds to stay cash for business. Specifically, you can ask the car dealer, they will introduce you to the security agencies, but the specific price you can negotiate with the guarantee agency car mortgageLoan process: 1, to the bank with the cooperation of qualified dealers at the car and sign a car purchase contract in the contract to indicate the price you require, taxes, insurance payments and how much the remaining balance of mortgages. Can not let the dealer write a general price in the vehicle how much the price. 2, at the dealer (you can also Bank) fill in the loan application note loan amount and duration. 3, bring the relevant documents (usually ID card, marriage certificate, proof of income, driver's license - can be others, driving license, vehicle registration certificate) and your spouse (if any) and the dealer together to the bank. 4. Sign the loan contract, chattel mortgage list and other related instruments in the bank (banks usually require face to face signature in case of fraud is also best for you) Check the loan amount with the bank staff again and calculate the loan amount according to the loan amount Calculate mortgage per month and performance bond coverage (This insurance is calculated by: Monthly mortgage * Total number of loans *% of loan year) This insurance can be partially refunded after you repay your loan early Forgot to ask the general bank will give you a certificate to the designated insurance company to receive). Attention here: If you are careful, you can ask the bank staff to write the loan amount on the contract and sign it. If you have time, you can wait for the bank staff to write up the contract and verify it. Then you may want to sign Run several times The contract can not be altered after the change you can request to re-fill. 5, open the car and the dealer together to the Che Kwun by car mortgage registration procedures, of course, with the relevant information, but then you do not have to worry about banks and distributors are generally prepared for you, such as the contract, the mortgage list, the vehicle engine number And frame number, vehicle registration certificate. Once completed, the Vehicle Administration will print your mortgage loan amount and beneficiary bank on the Vehicle Registration Certificate. 6, the following procedures you do not have to go to the bank can be done by the dealer. Let him bring the original or a copy of the vehicle registration certificate to the bank's bank accordingly according to the contract payment of the appropriate amount to the dealer account or your account and then automatically transferred to the dealer account. 7, in the contract before the date of the monthly repayment of the full deposit into the designated account of the mortgage (the general bank will require you to open a credit card account can not overdraw the convenience of your deposit also facilitate his debit) is to postpone A penalty period If you postpone the payment to promptly notify the bank after payment of the transfer, otherwise it may be deducted by the bank in the next period, so your penalty will be increased. Note that if you postpone your payment more than usual to cross the bank in full deduction for less than a point of the bank will not be deducted. 8, if you lost the credit card or forget that the account in time to the bank to re-apply and notify them your latest account or credit card account so that they can modify the computer data in a timely manner or it may be delayed by the bank for additional penalties. 9, if you claim insurance company after the death of the insurance company will ask you to the bank to open a proof of your repayment of credit if you are on time repayment of insurance premiums will be paid in full to you. If you do not have timely repayment of the insurance company will pay compensation to the bank to offset the mortgage of course, the bank will not prove it to you. So you are paying attention to your repayment credit. 10, after all the loans to the bank to obtain the relevant certificates and bring the vehicle registration certificate to the Che Kwun car mortgage cancellation procedures at this time the car can be your own. If you repay in advance there are some performance premiums retreat may also have the insurance companies in advance of the following year's vehicle insurance premiums.
  •             Enthusiastic users
    2018-01-01 19:35
            Mortgage loans can be refinancing, and the way loansCredit Loans,Car mortgage loan, Do not car loan three. Specific introduction is as follows:
    First, mortgage vehicles again apply for bank credit loans
    Application information: mortgage contract, ID card, driving license, driver's license, vehicle insurance policy. If real estate, please provide a real estate license, you can raise the limit.
    Handling conditions: The original car loan amount is greater than or equal to 100,000; repayment period of 12 months or more or less than 6 months to settle; borrower (ie, the owner) credit requirements for the last 24 months without "4", the most recent 12 No "3" for the month, "2" for the last 6 months and no current period.
    Process: to provide a copy of the front and back identification card credit report, OKLoan line- Bring information to the bank formally submit an application - answer the bank audit call, wait for the audit results (basically the same day can be completed) - the funds into the borrower's bank account.
    Second, mortgage car loan

    Application information: motor vehicle registration certificate, driving license, the purchase of additional tax (this), car invoices, insurance policies, travel tax, import vehicles related tax proof, ID card.
    Handling conditions: Personal and corporate name cars, staging vehicles, field vehicles and other laws and regulations in line with a variety of motor vehicles.
    Process: Automotive Assessment - Contract - Loan.
    Third, the car does not mortgage loans
    Application information: ID card (temporary residence permits to provide foreign accounts); motor vehicle registration certificate; motor vehicle driving license; vehicle insurance policy (pay insurance / commercial insurance); proof of work; residence permit (recent months, coal and electricity bills any one). Other supplementary materials: real estate license,Bank waterWait.
    Handling conditions: the applicant's personal name vehicles, and purchase no more than 5 years (the first registration date on the card), driving mileage does not exceed 80,000 km.
    Processes: Redemption of the car, pay off loans owed to the bank - Release of mortgage registration, registration card transferred to individual name - Re-mortgage registration, registration card mortgage in the name of the loan company - Change insurance, install GPS.
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