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Can I still borrow a car that I have already purchased? Anyone understand?

Questioner: @a.*** City: National Label: Loan Question Time: 2017-12-31 15:09
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  •             Enthusiastic friends
    2018-01-01 18:36
            Yes, but the mortgage fee is relatively high. It is not very cost-effective for a consumer product such as a car. However, if you use a car to do business, it may be a small amount of money for you in a short period of time. You can stay more. Cash is used for business. Specifically, you can ask the car dealer, they will introduce you to the guarantee institution, but the specific price you can negotiate with the guarantee institutionMortgage LoansProcess: 1. Buy a car and sign a contract with a dealer who has the qualification to cooperate with the bank. In the contract, indicate the price of the car, tax, insurance, and a few percent of the mortgage. You can't let the dealer write a general price for the vehicle in the price. 2. At the dealer's office (also at the bank), fill out the loan application and pay attention to the loan amount and time limit. 3, bring the relevant documents (generally ID card, marriage contract certificate,Proof of income, driver's license - can be someone else's, driving license, vehicle registration certificate) and your spouse (if any) and the dealer to the bank. 4. Sign the loan contract, movable property mortgage list and other related documents in the bank (the bank generally requires face-to-face signing to prevent fraud, it is better for you to go). Check the loan amount with the bank staff again and according to the amount of the loan. Calculate each period of mortgage and performance guarantee insurance (this insurance calculation method: monthly mortgage * total number of loans * % of loan year) this risk is in youRepaying loans in advanceAfter that, you can partially return it (the friend who repays the loan in advance will not forget to ask the general bank to issue a certificate to let you go to the designated insurance company to collect it). Note here: If you are careful, you can ask... Yes, but the mortgage fee is relatively high. It is not very cost-effective for a consumer product like a car, but if you use a car to do business, this may be In your case, the financial pressure will be small in a short period of time, and you can keep more cash for business. Specifically, you can ask the car dealer, they will introduce you to the guarantee institution, but the specific price you can negotiate with the guarantee institution.Loan process: 1. To purchase a car and sign a contract with a dealer who has the qualification to cooperate with the bank, the contract price, tax, insurance payment method and a few percent of the mortgage payment should be indicated in the contract. You can't let the dealer write a general price for the vehicle in the price. 2. At the dealer's office (also at the bank), fill out the loan application and pay attention to the loan amount and time limit. 3, bring the relevant documents (usually ID card, marriage contract certificate, income certificate, driver's license - can be someone else's, driving license, vehicle registration certificate) and your spouse (if any) and the dealer to the bank. 4. Sign the loan contract, movable property mortgage list and other related documents in the bank (the bank generally requires face-to-face signing to prevent fraud, it is better for you to go). Check the loan amount with the bank staff again and according to the amount of the loan. Calculate each period of mortgage and performance guarantee insurance (this insurance calculation method: monthly mortgages * total number of loans * % of loan year) This insurance can be partially refunded after you repay the loan in advance (the friend who repays the loan in advance) Forgot to ask the general bank to issue a certificate to let you go to the designated insurance company to collect). Note here: If you are careful, you can ask the bank staff to write the loan amount on the contract and then sign it. If you have time, you can wait for the bank staff to write the contract and check it, then you can sign it. Run a few times on the bank. If the contract cannot be altered, you can ask to re-fill it. 5, open the car and the dealer to the vehicle management office to handle the car mortgage registration procedures, of course, with the full information, but do not worry about the bank and the dealer will generally prepare for you such as contract, mortgage list, vehicle engine number And the frame number and vehicle registration certificate. After completing the vehicle management, the mortgage amount and the beneficiary bank will be printed on the vehicle registration certificate. 6, the following procedures you can not go to the bank can be done by the dealer. Have him bring the original or photocopy of the vehicle registration certificate to the bank bank. According to the contract, the corresponding amount will be issued to the dealer account or your account and then automatically transferred to the dealer account. 7. Deposit the mortgage amount to the designated account in full before the contractual monthly repayment date (the general bank will ask you to open a credit card account that cannot be overdrawn, and it is convenient for you to deposit it.) Take a penalty period. If you postpone the payment, you should inform the bank to deduct it after payment. Otherwise, the bank will deduct it again in the next period so that your penalty will increase. Note that if you postpone your payment, you will have more points than usual, so that the bank will deduct a small amount of the bank and will not deduct it. 8. If you lose your credit card or forget the account, you should go to the bank to re-apply and notify them of your latest credit card or account number so that they can modify the computer information in time. Otherwise, it may be postponed by the bank to pay the penalty. 9. If you make a claim to the insurance company after the insurance, the insurance company will ask you to go to the bank to open a certificate of your repayment letter. If you are repaying the insurance company on time, the insurance premium will be paid to you in full. If the insurance company that you did not repay in time will pay the indemnity 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 have been repaid, obtain the relevant certificates from the bank and bring the vehicle registration certificate to the vehicle management office to handle the vehicle mortgage cancellation procedures. This car can be regarded as your own. If you pay in advance, there is still some part of the performance insurance premium refundable. There may also be the vehicle insurance premium for the next year that the insurance company had received in advance.
  •             Enthusiastic friends
    2018-01-01 19:35
            The mortgage car can be re-loaned and the loan method isCredit Loans,Car mortgageThere are three types of non-car loans. The details are as follows:
    First, the mortgage car again bid for bank credit loans
    Application materials: mortgage contract, ID card, driving license, driver's license, vehicle insurance policy. If you have a property, please provide a real estate license, you can increase the amount.
    Processing conditions: the original car loan amount is greater than or equal to 100,000; the repayment period is greater than or equal to 12 months or the settlement is less than 6 months; the borrower (ie the owner) has a credit requirement of no "4" in the last 24 months, and the last 12 There is no "3" in the month, no "2" in the last 6 months, and no overdue.
    Handling process: provide a copy of the ID card on the front and back of the ID card to confirm the credit report.Loan amount- Bring the information to the bank to formally submit the application - Answer the bank audit phone, wait for the audit result (which can be completed on the same day) - the funds are credited to the borrower's bank account.
    Second, mortgage car loan

    Application materials: motor vehicle registration certificate, driving license, purchase additional tax certificate (this), purchase invoice, insurance policy, vehicle and vessel tax, import vehicle related tax certificate, ID card.
    Handling conditions: Cars under the name of individuals and public households, phased vehicles, foreign vehicles, etc., all kinds of motor vehicles complying with the law.
    Process: Car evaluation - signing a contract - lending.
    Third, mortgage car non-car loan
    Application information: ID card (temporary residence permit for foreign residence); motor vehicle registration certificate; motor vehicle driving license; vehicle insurance policy (traffic insurance/commercial insurance); work certificate; residential address card (one of the latest month's hydropower coal bill). Other supplementary materials: real estate license,Bank flowWait.
    Handling conditions: The applicant's personal name is under the vehicle, and the purchase is not more than 5 years (based on the first registration date), the mileage is not more than 80,000 kilometers.
    Handling process: redemption of the car, repayment of the bank's loan - the mortgage registration, the registration certificate transferred to the name of the individual - re-mortgage registration, registration certificate mortgage under the name of the loan company - change insurance, install GPS.
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