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Can a car loan fail to pay off a bank mortgage?
As we all know, when dealing with auto mortgage loans, lenders also have requirements for cars used for mortgages. Then, if the auto loan is not paid back, can you apply for a bank mortgage?
A mortgage is a loan that the borrower guarantees to the bank with a certain amount of collateral as an item. It is a form of lending by banks, and collateral usually includes securities, national bonds, various stocks, real estate, and bills of lading, stacks, or other documents that prove ownership of the goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to deal with the collateral as a kind of compensation.
According to Xiaobian, if the borrower’s car loan has not been paid off and is currently in the process of repaying the loan, then it is impossible to apply for the mortgage loan. Since the loan has not been paid off and the vehicle is also mortgaged to the bank, it cannot be handled. Mortgage registration procedures, can not handle mortgage loans.
If the borrower has a good personal qualification, stable work and income, strong repayment ability, and good personal credit, then it may be possible to obtain a cash flow through a personal unsecured loan. The loan amount of the unsecured loan is generally the monthly income of the borrower. About 10 times, if the borrower's personal credit is good, the loan amount will also increase.
In addition, since the automobile is a consumable item and the depreciation is fast, although the borrower's car meets the mortgage condition, the bank will not easily accept the loan in order to control the loan risk. Therefore, it is better for the borrower to seek the local private lending institution. Handling car mortgage loans.
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