Is the automobile mortgage loan reliable?

Regular places to handle, reliable. Vehicle mortgage loan can not only raise money, but also will not affect your daily life and work. What information and procedures do you need to apply for automobile mortgage?

1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.

2, living and working in the city for a long time, to carry out business occupation and economic income.

3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice.

4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.

5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers).

6. Other documents required by the Cooperation Organization.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on.

Precautions:

When refinancing, all loan costs must be considered, including not only interest, but also handling fees and points.

If you want to save money, you can ask for no-cost refinancing. Most of the cost of this method has been included in the loan.

Due to the fierce competition in the mortgage market, today's lenders should be the first choice for refinancing. In order not to lose business, the lender will provide loans on the most favorable terms in the market.

If you don't think the interest rate will fall, you might as well lock in the loan interest rate. Lock in interest rates and protect your own interests when interest rates rise. However, it should be noted that no matter whether it is a downward floating interest rate loan or a locked interest rate loan, a handling fee must be paid.

When lending, we should carefully distinguish:

First, pay the fee in advance.

Many unsecured and unsecured loan companies will ask borrowers to pay some fees or interest in various names. Nine times out of ten, such companies are liar companies.

Second, whether the agency certificate is complete.

The establishment of small loan companies is approved by relevant departments, and the number is very limited. Therefore, when choosing loans from non-governmental organizations, we must first check whether the relevant documents of the company are true and complete.

Third, the interest rate level.

Now it is stipulated that the annual interest rate of private lending should not be higher than four times the benchmark interest rate, otherwise it will be usury and will not be protected.

4. Is the lender an individual or an enterprise?

It should be noted that since handling loans is a key control and management business in the financial industry, individuals are generally not qualified as agents. When handling similar unsecured loans, if there is a personal agent, you should report to the public security organ.

When applying for an unsecured loan, you must go to a formal and legal bank financial institution or other financial institution that can issue loans.

If netizens with loan needs can't get bank loans smoothly through normal channels, they should think twice before choosing these financial institutions to avoid unnecessary troubles.