At present, the qualification requirements for auto mortgage loans in Changsha are still relatively relaxed, and most auto mortgage companies have low requirements, fast lending, and can also press the green capital.
1. How to handle the loan of Changsha automobile?
1. Find the business manager of the loan
2. Inquire about the requirements of the car loan and mention that you want to apply for the loan.
3. Issue driving licenses and credit reports for evaluation.
4. Initial assessment quota, quota satisfaction interview.
5. Inspect the car and issue the appropriation amount again.
6. Sign the contract.
7. Wait for the loan to be disbursed.
2. Changsha vehicle mortgage repayment method:
1 Interest before principal: 1.50% of the monthly interest rate;
2 Equal principal and equal interest: pressing the green monthly interest
3. The difference between Changsha car mortgage procedures and car mortgages:
1 Car mortgage loan for car mortgage: After the vehicle mortgage is registered, the car needs to be deposited in the garage designated by the lending institution, and the car can no longer be used. The loan amount is higher than that of the pressure procedure, the interest rate is lower than that of the pressure procedure, and the loan term is shorter than that of the pressure procedure
2. Mortgage loan for a green car: You only need to mortgage the relevant documents of the car, and you can continue to use the car after applying for the loan, and you need to install GPS on the car, and the installation fee will be borne by the borrower. Correspondingly, the loan amount is not as good as the former, the interest rate is not advantageous, and the loan term is generally long-term borrowing.
4. Requirements for Changsha auto mortgage loans:
1. Be between the ages of 18 and 60 and have full capacity for civil conduct;
2. The applicant owns a local DMV-level motor vehicle in his/her name, and the borrower owns the ownership of the car;
3. Have a local account for the loan and have a fixed residence in the local area;
4. Stable income, able to repay loan principal and interest on time;
5 Meet other requirements of the lending institution.
Changsha vehicle loans are formal and unroutine. Changsha Auto Loan Warm Reminder: Borrowing needs to be done within one's ability and used for legitimate turnover operations, and cannot be used within the scope of prohibition, otherwise no loan can be applied.
In addition, the company also handles vehicle mortgage loans, pledge loans, pawnshop pawn mortgages, personal loans, gold jewelry mortgages and other services, welcome to inquire.
