Charge standard of automobile loan guarantee company

What are the procedures for the guarantee company to handle the vehicle mortgage?

1. What are the procedures for the guarantee company to handle the vehicle mortgage? Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. At present, loans secured by cars are mainly fast. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 50-80%. Domestic banks generally do not provide auto mortgage services, so it is generally necessary to find private professional credit institutions to apply for such services. For example, automobile mortgage service is a short-term microfinance service for small enterprises, individual merchants and entrepreneurs. "Car loan" is divided into two forms: parking and non-parking. Escort car: Give the car to the company for safekeeping. There is a parking lot dedicated to parking the car, and there is a special person to watch it 24 hours a day. Lights the car regularly to warm up. Don't mortgage the car: customers can choose to just put the formalities in the company, or use the car for their own use, and need to apply for mortgage registration. The loan business is flexible and fast, and the amount can generally reach 70-80% of the assessed amount. Generally, the loan can be released on the same day when the formalities are complete. Mandatory provisions on vehicle mortgage loan: the car under the name of an individual, the full amount, and the car within the service period. The car mortgage process of the guarantee company is as follows: 1. The borrower looks for a reliable guarantee company and applies for a guarantee; 2. The guarantee company accepts the borrower's guarantee and requires the borrower to submit information; 3. The borrower submits the information and the guarantee company reviews the information; 4. The guarantee company approved the materials and agreed to guarantee the borrower, and the borrower signed a guarantee contract with the borrower; 5. The guarantee company handles the loan for the borrower, and the borrower handles the pledge registration procedures; 6. Banks issue loans. To apply for automobile mortgage from a guarantee company, the following materials shall be provided: 1, valid identity documents of the borrower (such as ID card and household registration book); 2 proof of the borrower's work and income; 3. Vehicle driving license, motor vehicle registration certificate and car purchase invoice; 4. Vehicle insurance policy and vehicle purchase tax certificate; 5. Other materials required by the guarantee company. When choosing a guarantee company to handle automobile mortgage, we should pay attention to the following points: 1 You must have the ownership and complete disposal right of the mortgaged vehicle; 2. Generally, the cost of automobile mortgage is higher. If you choose a loan with a long term, try to repay it in advance if you have spare money on hand. 3. Car mortgage is suitable for short term. Second, the guarantee company can't be found at all. How to lift the vehicle mortgage? 1, as long as the complaint is clear, file a case immediately, and the legal fee is 50 yuan; 2. When the presiding judge is appointed in the case, the parties concerned shall be notified to pay the service fee for the announcement, which is for ordinary 260 yuan and expedited 300 yuan; 3. After the announcement is served, the judgment is made by default; 4. Notice the delivery of the judgment, and the notice fee is ordinary in 300 yuan and urgent in 390 yuan; 5. It will take about two and a half months to receive the effective judgment after the trial; 6. Apply for enforcement; 7. Send an execution letter, and the owner will handle the mortgage cancellation procedures through the letter. To sum up, regarding the vehicle mortgage of the guarantee company, it should be noted that when making a vehicle loan, we only need to prepare relevant materials and find a reliable guarantee company, and then the guarantee company agrees to guarantee the borrower after reviewing the materials, and the borrower and the borrower sign a guarantee contract, and then we can apply for the mortgage loan.

How does the mortgage loan company operate?

To start an automobile mortgage company, the following conditions shall be met:

First, the conditions stipulated by the state.

1, with fixed production and business premises and necessary business facilities;

2. Have a fixed staff;

3. Necessary fixed funds;

4. High annual production and operation amount or seasonal production and operation for more than 3 months;

5. It has a correct and clear production and business scope and conforms to the relevant provisions of national policies and decrees. 1. Simply put, auto mortgage can get cash flow and circulation quickly and efficiently, and help borrowers realize capital circulation. Moreover, the advantage of this method is that the borrower's car doesn't need to be sold. When it comes, he can get the ownership of the car back through repayment, which avoids the cost increase and energy consumption caused by buying a car again. From this perspective, automobile mortgage's advantages are obvious. At the same time, it also avoids the embarrassment of borrowing money from friends and related people, and more importantly, it avoids others from knowing their own situation. No matter how flexible it is or how to maintain its reputation, it has helped borrowers well. Therefore, this method is more humanized and convenient, and is welcomed and chosen by people.

2. Although it is a good policy for financial institutions to require borrowers applying for vehicle mortgage loans to take out insurance for mortgaged vehicles to ensure the security of their creditor's rights, this model does not provide strong protection for the mortgagee of vehicle mortgage loans because of the multiple dangers faced by the mortgagee's priority right. Specifically, (1) in the case of collateral damage or loss, although the mortgagee of vehicle mortgage loan has the priority to be compensated for the insurance money obtained from collateral damage or loss according to the relevant provisions of the Civil Code, the law does not give the mortgagee the right to access and control the insurance money.

(2) When the mortgagor of the vehicle mortgage loan applies for insurance, he shall agree with the insurer on other contract beneficiaries or other creditors with priority. After getting out of danger, the insurer performs the obligation of compensation according to the insurance contract, resulting in the mortgagor losing the priority of compensation, or the mortgagor is lazy in exercising or preemptively exercising the right of compensation, resulting in the invalidation of the mortgagor's priority of compensation.

Is the third-party guarantee company of ICBC car loan a regular loan?

The third-party guarantee company of ICBC's car loan is a conventional loan, and ICBC's personal commercial vehicle loan is a personal car loan issued by ICBC to the borrower for the borrower to make a profit from buying a car. The borrower shall be a natural person with full capacity for civil conduct, aged between 18 and 60 (inclusive), with a good credit record and willingness to repay, and can provide effective staged guarantee.

Matters needing attention in choosing a guarantee company when buying a car with a loan

Matters needing attention in buying a car through a loan from a guarantee company are as follows:

(1) You can choose your own insurance company to handle auto insurance, but the general guarantee company will not let you handle it yourself. You need to choose an insurance company and handle it through them.

(2) After the vehicle enters the venue, the car purchase invoice, motor vehicle registration certificate and insurance documents are all owned by the bank, and the bank will only return them to you after you have completed the loan.

(3) The guarantee company shall repay the loan in accordance with the agreed repayment method every month after the formalities for buying a car are completed. However, some guarantee companies often have financing difficulties in the course of operation. As a result, the car loan cannot be paid off on time.

The specific process is as follows:

1. The customer asks the guarantee company for information;

2. The customer applies for guarantee, fills in the guarantee application materials and signs the insurance undertaking. Then the insurance company collects the guarantee fee, and the two parties sign the guarantee mortgage contract;

3. The credit department of the guarantee company conducts a preliminary examination of the customers;

4. The risk control department of the guarantee company sends personnel to the door for review to verify the authenticity of the materials provided by customers;

5. The guarantee company submits the customer's loan application materials to the bank; At present, the credit investigation of loan applicants is mainly through income certificates and home visits. The guarantee amount is generally 1% to 1.5% of the loan amount. Generally speaking, the higher the price, the higher the amount of protection.

Why should a loan car be purchased through a guarantee company?

When an individual or enterprise wants to borrow money from a bank, in order to reduce the risk, the bank will not directly lend money, but requires the borrower to find a third-party guarantor, such as a guarantee company or a qualified individual, to provide credit guarantee for it. So the loan to buy a car is through the guarantee company. Guarantee companies in different regions calculate guarantee fees in different ways, and the fees charged by guarantee companies will also be different due to different models. If conditions permit, consumers can choose to borrow directly from the bank and then buy a car first, without paying any guarantee fees. In order to reduce the risk, the credit officers of ICBC and Bank of Communications all said that if customers want to apply for car loans, they need to guarantee in a guarantee company designated by the bank. Car buyers need to pay a lot of guarantee fees. According to a person from a guarantee company, the current one-time guarantee fee is 3% for a three-year loan and 4% for a five-year loan.

What auto mortgage companies are there?

What platforms are there for car mortgage?

First, car loans.

Chelai Loan is a mobile phone software that provides vehicle mortgage loan. Anyone who has a car can come here to solve financial difficulties.

Second, worry-free car loans

Worry-free car loan is an online loan APP that does not bet on cars. Flexible term, fast loan and high valuation.

Third, China car flash loan

Shenzhou Car Flash Loan is an online loan APP. You can borrow money if you have a car, and you can lend money without taking a high-speed bus.

Fourth, CreditEase Car Loan

Yixin car loan is a super practical online loan APP, and you can borrow money if you have a car. Friends who have cars and need money urgently can choose.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audits are strict. Although it is easy to use, it is difficult to apply, and so is money. However, the exclusive application channel paid by friends is very high, so it is the most recommended product among the products, and there is no one. Since it is recommended to everyone, let's present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use it on the same day when you get the quota, otherwise you may get it back. Some friends have encountered this situation before, so remember.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Verb (abbreviation of verb) Chebang loan

Chebang Loan is an APP that only makes cars. The maximum loan amount for each pledged car is 80% of the assessed value.

1. Can the car be mortgaged?

1. Yes, cars are collateral recognized by financial institutions and can be used to apply for mortgage loans. However, cars are consumables and wear out every year. Therefore, if you apply for a loan with a car as collateral, the loan period and loan amount will be limited.

2. Common collateral is generally real estate, which belongs to real estate, and financial institutions have higher recognition of real estate than cars. Of course, as long as the user's car meets the mortgage conditions, it can be used to apply for a mortgage loan. Compared with credit loans, the amount of mortgage loans will be higher.