What information do I need to bring when I pick up my car by mortgage?

What information do you need to carry with you in the process of mortgage car loan? The general lender is a valid personal identity document. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:

Application materials to be provided:

1. Personal valid ID. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided;

2. Certificate of intention to buy a car issued by the car dealer;

3. Household registration certificate or long-term residence certificate;

4. Personal income certificate, family income or property certificate when necessary;

5. If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided;

6. Proof of down payment for car purchase;

7. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.

Precautions for car loan:

1. Loan target: 18 to 60 years old, natural person with full civil capacity;

2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle;

3. Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Repayment method: If the loan term is less than one year, you can use any repayment methods such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

Processing flow:

1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;

2. After the contract is signed, the bank will review the application materials submitted by the borrower, and both parties will sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;

3. Lend a loan. After all the formalities are completed, the bank will directly transfer the loan approved by the bank to the account of the car dealer according to the contract;

4. Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement. Loan settlement includes normal settlement and early settlement, as follows:

(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

After the loan is settled, the borrower shall take back the legal documents and relevant supporting documents taken away by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration and cancellation procedures at the original mortgage registration department with the loan settlement certificate.

What information should I bring to the interview? If it is the first interview, you only need to bring the original and copy of your ID card, a copy of your academic certificate and a copy of your honorary certificate. If you have a letter of recommendation, you'd better bring it with you.

If you need to apply for a job, you can go to the "Treasury Recruitment Network" to have a look. I wish you a successful interview and smooth work.

What information and documents do you need to bring? First, you usually register online and fill in the online registration form truthfully. The materials are only used for qualification examination before the interview. 2. With reference to the announcement of recruitment of civil servants in Yunnan Province, the following materials are required for qualification review: my ID card and the written test admission ticket (the written test admission ticket must be printed in duplicate, one for the applicant after review and one for review.

What information should I bring to the interview? Write a draft of self-introduction, highlight your own advantages concisely, and bring your resume, diploma, copies of various certificates and so on. Good luck!

What information do you need to buy a car by mortgage? identity card

Work certificate, income certificate or real estate certificate ~ ~

What information does JD.COM Xiaobai need to carry when he picks up the car? When picking up the car, users need to bring ID cards, driver's licenses and other documents, so that offline cooperative merchants can verify the identity of the car picker.

What information should be submitted for store mortgage? Personal store loan application process

Application conditions

1. China citizens who have reached the age of 18 and have full capacity for civil conduct;

2. Have a permanent residence in this city or a valid proof of residence;

3 have a stable income, the monthly income is not less than 40% of the monthly repayment amount;

4. The shop purchased must be an existing house;

5. The borrower signed a contract with the real estate developer to buy a shop, paid a down payment of not less than 40% of the total price of the shop, agreed to use the shop he bought as a mortgage, and completed the formalities of real estate insurance, real estate mortgage registration (preparation), contract notarization, etc.

6. If the borrower is registered in other provinces and cities and does not work locally, he shall provide the identity certificate, address, telephone number, unit and other information of the entrusted agent in this city, and handle notarization.

loan limit

The maximum loan for individual shops shall not exceed 60% of the total price of the shops purchased.

Loan guarantee method

When a borrower applies for a personal shop loan from a bank, he must use the purchased shop as collateral.

Loan term and interest rate

The maximum loan period for individual shops shall not exceed 10 year. The interest rate shall be in accordance with the loan interest rate of the same grade in the same period announced by the People's Bank of China.

Information to be provided by the applicant

1. ID card, household registration book (household registration certificate) and marital status certificate of myself and the property owner;

2. Proof of income and property of the borrower and the property owner (such as passbook, certificate of deposit, tax bill, securities, real estate, etc.). );

3. Business license and organization code certificate. If the business license has not been obtained, a description of the purpose of the purchased store shall be provided;

4. Personal store loan application form; The original contract for purchasing the store; Original invoice for purchasing the store (down payment);

5. Other information required by the lending bank.

insure

Personal store loan insurance is property insurance, and the insurance premium is paid by the borrower. The insurance amount shall not be less than the total value of the purchased shops, and the insurance period shall not be shorter than the loan period, and the Agricultural Bank shall be indicated as the first beneficiary in the insurance policy.

Handle real estate mortgage registration.

Personal store loans must be registered in the housing and land management department, and the loan contract will take effect from the date of registration.

Loan repayment method

If the loan term of individual shop loan is within one year (including one year), the repayment method of interest settlement is adopted; If the loan term is more than one year, the monthly repayment method can be adopted, and the loan principal and interest can be repaid by the "average monthly repayment method" or "average monthly fund repayment method". The borrower can repay part or all of the loan in advance. If part of the loan is repaid in advance, the remaining loan can be repaid by "the monthly repayment amount is unchanged and the loan term is shortened" or "the loan term is unchanged and the monthly repayment amount is reduced", and the loan interest rate is subject to the original contract term interest rate.

What information do you need for second-hand car mortgage? If the second-hand car mortgage is needed, the information generally includes the lender's income certificate, salary flow, original and photocopy of identity certificate.

What information does Tiguan mortgage need? Real estate license (if it is bought by mortgage, you need to provide loan contract, mortgage contract and monthly water supply)+ID card, household registration book, marriage certificate and bank running income certificate. That's about it!