The green capital of new car loan usually needs to be mortgaged at the bank or auto financing company. If the user applies for a credit card to buy a car in installments, then the green book will be mortgaged in the bank. The auto financing loan applied by the user will be mortgaged by the Green Fund at the auto financing company. No matter where the green book is mortgaged, as long as the car loan is paid off, the user can get the green book back and go through the mortgage cancellation procedures.

for users, new car loans usually choose to mortgage the certificate instead of the car, because then users can use the car, and if they mortgage the car, the car will be directly mortgaged to the lending institution.

Types of car loans

Personal car loans can be divided into direct car loans, indirect car loans and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly for loans, and the indirect customer type is generally a car loan for auto finance companies to transfer customers' car loans.

For direct bank car loans, the fees are deposit, principal and interest, 3% guarantee fee, etc., and the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to paying the above fees, the car loan of an individual car finance company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit

There is also a credit card car loan. The credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is also an audit procedure, so it is difficult for credit card users with bad credit records to handle it.

The specific steps of buying a car by credit card are roughly as follows:

1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder holds his/her ID card and goes to the dealer to fill in the installment order for car purchase, which will be submitted to the background of the bank for review.

3. after the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go through the mortgage formalities with the bank and purchase the required auto insurance.

5. finally, we can drive our car away smoothly.

loan conditions

1. Have valid identification and full capacity for civil conduct;

2. Can provide fixed and detailed proof of address;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the cooperative organization.

Application materials

1. Original ID card, household registration book or other valid residence documents, and provide their copies;

2. proof of occupation and economic income, and running list of personal accounts in the past 6 months;

3. car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperative organization. Where is the green mortgage of car loan?

After the car loan, the green book of the car is mortgaged to the lending institution (the institution that issued the loan or other financial institutions) and the green book will record that the car has been mortgaged to a certain institution. Only after the loan is paid off will the lending institution return the green book and indicate that the car mortgage has been lifted. The following are the relevant information about auto loans: 1. Unpaid loans: Before the loan is repaid, the ownership of the vehicle is that the owner of the lending institution only has the right to use it, and only when the loan is repaid and the green book is taken back can the ownership of the vehicle be realized. 2. Pay off the loan: Most banks require the borrower to sign relevant mortgage contracts with the bank to mortgage the purchased vehicles to the bank when handling the credit card installment business. In this way, the bank aims to control risks so as to prevent borrowers from being unable to repay. When the borrower pays off the loan completely, he can go through the formalities of canceling the vehicle mortgage registration. 3, do understand the mortgage: when handling the car mortgage, you must bring the relevant information. It takes 1-2 weeks to complete the whole procedure, and the car will really belong to the owner. You can also consult the customer service of the bank. Where is the green capital of car loan?

The green capital of car loan is in the vehicle management office, 4S shop or bank.

1. Vehicle management office: Generally, the green book of mortgage car will be pressed in the vehicle management office in the lender's area.

2, 4S shop: after buying a car by mortgage, the vehicle management office may hand over the green copy to 4S shop, which will put the green copy on the 4S shop where the car is bought.

3. Bank: As a result of lending in a lending institution, the green capital may also be pressed in the lending institution loaned by the lender.

1. You can't sell a car with outstanding loan. Because the car that is repaying the loan has signed a mortgage agreement with the unit where you borrowed the loan, it is not entirely your own. Only after the loan is fully repaid can the car be transferred to your own name, and then it can be resold to others again. If you want to sell the vehicle that you haven't paid off the loan, you must pay off your loan first and then sell it.

2. Method of releasing the mortgage after paying off the car loan: Because the mortgage registration is made at the vehicle management office when handling the car loan, you must go to the vehicle management office to release the mortgage after paying off the car loan. Prepare some relevant materials before handling, including the original Application Form for Motor Vehicle Mortgage Registration/Pledge Filing, the original and photocopy of the identity certificates of the motor vehicle owner and mortgagee, the motor vehicle registration certificate, etc. If you entrust others to handle it on your behalf, you also need to prepare the original and photocopy of the identity cards of the client and agent, and the power of attorney issued by the mortgagee, etc. Then take these materials to the vehicle management office to understand the pledge. It should be noted that the owner of the vehicle must be present at the time of understanding the pledge, but the vehicle does not need to be present. Of course, some banks may help customers to understand the mortgage procedures when they pay off the car loan, but most banks will not help customers to understand the mortgage procedures, and basically all the vehicle owners need to do it themselves.

3. After the loan is paid off, you should also pay attention to the following points: First, first determine whether your loan is a mortgage loan; Second, confirm that your loan has been repaid; Third, bring the original ID card of the owner to the dealer to understand the mortgage procedures; Fourth, change the insurance beneficiary; Fifth, the loan deposit should be returned; Sixth, return the insurance that is not used in daily life.