Which platform is better for auto mortgage loan (auto mortgage loan does not depend on credit information)

Which platform has the lowest and most formal interest in car mortgage?

There are many platforms that want to mortgage vehicles, such as: credit, CRRC flash loan, and Chebang loan.

1, on credit. Credit is a car loan APP under Ping An Bank, which belongs to Ping An mortgage car loan products. If users want to apply for a loan with their own car as collateral, they need to provide proof of marital status, loan use plan, income certificate, personal assets certificate and other related materials. The entrance to credit is also easy to find. Users can search Ping An Pocket Bank in the mobile app store, then click "My" to find a car loan, and then apply for a car loan according to the operating instructions.

Which loan platform has the lowest interest rate and is the most formal: the loan amount with money is 500,000-200,000. This is a pure credit loan product suitable for all kinds of users, and the amount can be recycled. The minimum daily interest rate is only 0.02%, and the fastest approval is 30 seconds. Age 18-55 years old. You can apply for a loan by providing your ID card and bank card.

References:

Du Xiaoman has money to spend on official website.

2. China automobile flash loan. Shenzhou Car Flash Loan is a financial service product of u Car, which mainly provides users with services such as second-hand car loans and automobile mortgage. Users can get about 90% of the estimated price of the vehicle by applying for a loan on Shenzhou Car Flash Loan, and the loan can be completed within 2 hours at the earliest. According to the feedback from real users, even if the user's car is not very valuable, he can apply for a certain amount of loan in Shenzhou Car Flash Loan.

3. Chebang loan. Chebang Loan is an automobile pledge platform under Zhejiang Chebang Internet Finance Information Service Co., Ltd. Users can apply for loans on Chebang Loan, up to 80% of the vehicle appraisal value. According to the official explanation of Chebang Loan, applying for a loan on Chebang Loan can complete the loan within 1 hour at the earliest.

1. Definition: A simple and popular understanding of a loan is to borrow money with interest.

Second, the repayment method:

Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

Matching principal repayment: that is, the borrower evenly distributes the loan amount to each repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is10,000 or an integer multiple of10,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty.

What apps are there for mortgage loans?

Micro-loan network APP. Apart from Bank of Communications and Bank of China, there are few real estate mortgage loans. Most other banks can provide mortgage loans, such as China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Chongqing Rural Commercial Bank and China Postal Savings Bank. However, major banks have different requirements on the conditions, execution interest rate and loan life of real estate mortgage loans, so they should consider their own suitable loan varieties and repayment pressure when choosing loans. Mao Sen Guarantee is an institution that cooperates directly with banks.

1. Microfinance Network

Micro-loan online was launched in July of 20 1 1, and it is one of the earliest online lending platforms in China. At first, the model of the platform was similar to auction loan, and later it turned to chattel mortgage loan, and expanded the service network by joining offline. Last year, the micro-loan network launched the "Five-year Hundred Stores" plan, striving to open 100 offline outlets nationwide by 20 17, and has achieved the target of about 30%.

2. Good car loan Car loan is an investment and financing financial service platform that provides mortgage, pledge loan and car loan financing services for car owners. The online platform was established on 20 14. Although it belongs to a young platform, the professional strength of good car loans cannot be underestimated. 20 15 is invested by Shenzhen qianhai zhongdaxin asset management co., ltd.10 million USD, which is one of the top 100 brands of internet finance. At present, the main products are good car loans, financial links, bank-enterprise links, rental treasures and so on. The investment amount of good car loan project is very small, which is very suitable for small and medium investors.

3. Worry-free car loan Worry-free car loan is an innovative Internet car finance platform independently developed and operated on the basis of worry-free original car loan business in the future. Relying on the "internet plus Finance+Automobile" model, we are committed to building a standardized, safe, transparent and honest Internet financial information intermediary service platform to provide investors with low-risk and high-return investment products and create value for every penny; Provide low-cost and efficient financing services for those who need funds, so that microfinance is no longer difficult.

What are the platforms in automobile mortgage?

1.58 car loan APP: 58 car loan APP is a P2P lending platform in automobile mortgage. 58 Car loan adopts cautious and professional evaluation method, unique comprehensive credit evaluation system and powerful risk control means, and the accumulated loan amount exceeds 50 million yuan to maintain zero non-performing rate.

2. Car second loan APP: Car second loan APP is a car loan APP launched by Ali. The car second loan APP allows car buyers to submit loan applications online on their mobile phones, and the credit line of the loan can be known within half an hour.

3. the first car loan APP: car loan number. 1 is an auto loan APP developed by Shanghai Fengzhixing Auto Finance Co., Ltd., which is aimed at users with loan needs who obtain credit from their company and provide intermediary services. Investors can invest through the mobile phone client and enjoy the fun brought by investment and financial management anytime and anywhere.

4. Bee Easy Car Loan APP: Bee Easy Car Loan is the leading p2p lending platform in China, providing users with fast and high-quality financial services and helping quality life. The loan is fast, saves money and effort, and is privately customized, safe and reliable.

5. Yixin car loan APP: Yixin car loan mainly provides new car loans, used car loans, car owner loans, car rental, auto insurance and other products and services. In addition to cooperating with many financial institutions, it also has CreditEase's self-operated business, providing a wealth of auto finance products and services.

6. Cheyi Loan APP: Cheyi Loan focuses on auto loans. For investors, car loan business is a safe lending business, which has the characteristics of small amount, dispersion, mortgage and quick realization. Through a mature business model and a perfect market,

Which platform of mortgage loan is reliable?

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.

Verb (abbreviation of verb) Chebang loan

Chebang Loan is a version of APP 4. 5. 9 that only makes automobile mortgage, and the maximum loan amount of each pledged car is 80% of the assessed value: at present, there are some well-known domestic banks, such as Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China and China Construction Bank, among which Industrial and Commercial Bank of China has the fastest mortgage loan. Other bank loans may be delayed by one month, but ICBC can complete them in five days at the earliest, so the loan efficiency and speed will be faster.

If you choose private banks, the well-known banks are Everbright, China Merchants, Xingye, Minsheng, CITIC and Communications. Among these banks, China Everbright Bank has the fastest mortgage loan when all banks need the same loan information.

Therefore, it is definitely easier for people with good qualifications to borrow money. But people with poor qualifications should not be discouraged, because different bank loan policies are different. If you only consult one bank that does not meet the loan conditions, you can actually consult several banks, shop around and choose the right bank loan.

To apply for automobile mortgage in a bank, you should meet the following conditions:

1, requiring the applicant to be 25-55 years old and have a stable income at present;

2. The vehicle certificate under its name is complete and there is no guarantee at present;

3. For the mortgaged car, the bank requires that the car age is less than 5 years and the journey is less than 80,000 kilometers;

4. The current appraisal value of the mortgaged car should be above 70,000 yuan. Although the bank's interest rate is the lowest, it requires high qualifications for cars and borrowers, and the application period is long. If the qualifications are good, you can consider the bank. If the qualification is not good, you can consult the pawnshop. Although the interest rate of pawn shops is slightly higher than that of banks, they have low qualification requirements and high pass rate, and can be received on the same day, which is more suitable for customers who need emergency funds.

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