What procedures do pawnshops need to pawn cars?

The materials to be prepared include two aspects: first, the owner's identity information: personal vehicles need ID cards, temporary residence permits (non-Shanghai owners), personal bank credit information, real estate licenses, original enterprise organization code certificates (including IC cards), copies of business licenses, legal person ID cards, etc. When applying for not driving; There is also vehicle certification information. Vehicles registered under the names of individuals and legal persons need motor vehicle registration certificate, vehicle driving license, vehicle insurance policy, vehicle keys, etc.

After all the materials are ready, I'm going to handle it at home. In addition to the headquarters, Taiyou Club has three stores in Shanghai: Daning, Qibao and Pudong. Because I'm applying for a car mortgage, I chose Pudong nearby.

4. After arriving at Taiyouhui Store, they will arrange the account manager for one-on-one service reception. After I explain the situation, I will submit the corresponding information and wait for their confirmation.

The account manager introduced their business contents, and I chose not to mortgage the car. If you don't mortgage the car, the interest rate is generally between 3.6 and 4.0, and there is no service fee and no evaluation fee. You can use it for current borrowing, you can calculate interest on a daily basis, and you can continue when it expires.

6. After confirmation, I began to draft the contract. After consultation, I signed a mortgage contract and received a pawn ticket certificate. Then, Taiwanese friends will give me the money, and it takes less than 30 minutes to handle the business, which is very efficient.

Legal basis:

Article 38 of the Measures for the Administration of Pawning in People's Republic of China (PRC) stipulates that the comprehensive expenses of pawning include various services and management expenses.

The monthly comprehensive rate of chattel pledge pawn shall not exceed 42‰ of the pawn amount.

The monthly comprehensive interest rate of real estate mortgage pawn shall not exceed 27‰.

The comprehensive monthly interest rate of property right pledge pawn shall not exceed 24‰.

The car is a movable property, so "the monthly comprehensive rate shall not exceed 42‰ of the pawn money", that is to say, the comprehensive cost shall not exceed 4.2%/ month;

The pawn interest rate shall be implemented after being converted into the 6-month statutory loan interest rate of banking institutions and the pawn period announced by the People's Bank of China.

At present, the fees paid by the national automobile pawn (that is, comprehensive fees plus interest) are between 4% and 5%/month, with only an upper limit and no lower limit.