Changsha auto mortgage company has been rooted in Changsha for several years, has a good reputation in the industry, for thousands of customers have handled loans or provided loan services, our company is mainly engaged in car and real estate mortgage loans, mortgage loans, and gold watch pawn and other related business, space is limited, here is a brief introduction to the relevant requirements, process, advantages, etc., specifically hope to call to consult.
Advantages of Changsha car mortgage loan and mortgage car mortgage loan:
1. The loan speed is fast, the information is ready and can be received quickly, and the foreign license plate can also be used, and the use is not delayed at all.
2. The handling process is simple.
There are the following types of car mortgage loans in Changsha:
1. Full car: a car with complete procedures, a car with a registration certificate, and a vehicle purchased with compulsory traffic insurance that can be smoothly transferred.
2. Car loan: Pay a down payment to a bank or major financial institution for the purchase of a car, and repay the car loan normally every month.
3. Mortgage car: The car that has been mortgaged from a financial company or bank for capital turnover has been repaid for more than three months under normal circumstances, and the amount approved by the mortgage does not exceed the market value of the car itself.
4. Installment car: novice and second-hand cars are OK, but there is a down payment that needs to be delivered, and the car itself has a certain cash value in the normal repayment of the car loan every month.
There are certain conditions that must be met to apply for a housing mortgage loan in Changsha, and the requirements are as follows:
1. The actual age at the maturity date of the loan is generally not more than 65 years old.
2. Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time.
3. Willing and able to provide mortgage on the property approved by the lender; The co-owners of the property agreed that the relevant borrowing and guarantor bank Changzhou car mortgage loan was and was willing to bear the relevant legal liabilities.
4. The property rights of the mortgaged house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for circulation, without any other mortgage.
5. The mortgaged house is not included in the local urban reconstruction and demolition plan, and has the real estate certificate and land certificate issued by the real estate department and the land management department.
6. The owner of the collateral can be the borrower himself or others. If the property owned by another person is used as collateral, the mortgagor must provide a written undertaking to allow the borrower to apply for a loan with the property as collateral, and require the mortgagor and his or her spouse or other co-owners of the property to sign.
The specific materials to be provided for applying for a real estate mortgage loan in Changsha are as follows:
1. Application for loan;
2. Original ID card, household registration booklet or other valid residence certificate, and provide a copy thereof;
3. Proof of occupation and economic income, as well as the basic situation of the family;
4. Car purchase agreement or contract signed with the dealer;
5. The list of mortgaged houses and the proof that the person with the right to dispose of the property (including the co-owner of the property) agrees to the mortgage
6. Housing property right certificate
7. Housing appraisal certificate
8. Mortgage
9. Other documents and materials required.
Finally, to sum up, our company's philosophy is to make the problem of capital no longer difficult, fundamentally help customers solve the problem of difficult funds, and sincerely solve the urgent needs of customers.
