The first is the concept of "lending".
There is no concept of "sub-loan" in legal or professional fields, which is a term invented by many SP or salespeople to save trouble and develop their business quickly.
Secondly, the essence of "lending".
The so-called "sub-loan" is essentially a standard sale and leaseback business. Automobile after-sale leaseback refers to the financial lease in which the supplier and lessee are the same subject. In car after-sale leaseback, the financial leasing company purchases the vehicles of enterprises or individuals with capital needs, and transfers the ownership of the vehicles to the financial leasing company to obtain funds. At the same time, the financial leasing company leases the vehicle to the lessee, and the lessee continues to retain the right to use the vehicle.
That is, the customer sells his vehicle to the financial leasing company, goes through the formal transfer formalities, and then leases the vehicle to the customer in the name of the financial leasing company. The customer pays the rent to the finance leasing company on schedule, pays the rent according to the contract period, and finally the finance leasing company transfers the vehicle to the customer.
What do you mean by lending?
You can simply understand the transfer loan as a combination of personal housing loan and mortgage loan, which generally exists in second-hand housing transactions.
For the small partners who buy a house, if the small partners can't buy a house in full, many people will apply for refinancing to achieve the effect of adding leverage. At the same time, due to the low annualized comprehensive interest of the transfer loan and the long loan period, it is very suitable for the transaction of second-hand houses.
1. What is lending?
Lending generally exists in the transaction of second-hand houses. Strictly speaking, lending is a housing mortgage loan. When buying, selling and transferring houses, users can apply for transfer loans by virtue of the second-hand housing sales contract. At the same time, users also need to submit other materials that can prove property rights. After the bank verifies all the information, the bank will approve the relevant loan.
Second, lending is a very cost-effective loan type.
At present, the lending on the market is basically bank loans. I don't recommend users to apply for lending from offline lending institutions, because these products have many routines. At the same time, the annualized comprehensive interest of loans transferred through bank channels can reach about 5%, and some local banks can even reach 3%. At present, the annualized interest of bank mortgage loans in the market is very low, which is a good way of leverage.
Third, the personal qualification of the user and the bank credit line need to be considered in lending.
It is precisely because lending is a very cost-effective loan product that most users will apply for lending when buying second-hand houses. Because the real estate measures all over the country have changed, some areas have tightened transfer loans and restricted second-hand housing loans. To this end, if you need to comprehensively consider the bank credit line of your city, you also need to consider personal qualifications. In most cases, it is more difficult for users to apply for lending, and many cities have restricted the application for lending.
What does the vehicle transfer loan mean?
Vehicle transfer loan means that when a customer buys a car loan, he first transfers the car to the loan company, gets the loan, and then pays off the money on time, and then transfers the car back. In fact, it is a change of ownership. The car is not yours before the payment is made, so the customer should be careful when handling it and read the relevant agreement carefully.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal paid by the bank to consumers, that is, borrowers, for purchasing their own cars. The higher the interest rate, the greater the repayment amount of consumers.
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.
How to transfer a car by loan:
First, we must ensure that the loan can be paid off. After the loan is paid off, it will take about 10 working days to go to the bank that handles the car installment payment to understand the mortgage procedures. If it is a credit card car installment, it is best to call the bank's customer service phone in advance to check whether it has been settled in full. The customer service phone number can be found on the back of the repayment card. For car loans handled by financial companies, you can call the customer service phone number of the financial company you belong to.
Second, to get the motor vehicle registration certificate, I must hold an ID card to get it. Other possible procedures include motor vehicle driving license, bank repayment details and so on.
3. Go to the local vehicle management office for cancellation of vehicle mortgage. The required materials include motor vehicle registration certificate, loan settlement certificate issued by the lending institution, lender's organization code certificate, motor vehicle mortgage registration/pledge filing application form, power of attorney, and motor vehicle owner's ID card.
What do you mean by lending?
Transfer loan is a mortgage loan in the process of second-hand housing transaction. In other words, users can borrow money by virtue of the second-hand housing sales contract when selling houses and buying second-hand houses.
Generally, the transfer loan means that the buyer applies for a loan from the bank, and the applicant needs to submit relevant information that can prove the property rights and interests, and the bank will verify it. For customers who can't buy a house in full, refinancing is undoubtedly a very cost-effective loan option in terms of annualized interest rate, application period and application amount.
Requirements for applying for loan transfer: the applicant's ID card (ID card, household registration book), the signing of the house sales contract, and other materials required by the bank. Applicants are required to have good credit information, stable income and meet the loan requirements of other banks.
Extended data:
What materials are needed for the transfer of second-hand houses?
1, ID card: It must be a second-generation card and a temporary residence permit. If you buy a house in a non-registered place, you need to apply for a temporary residence permit, and the temporary residence permit used when buying a house must be consistent with the temporary residence permit used when transferring.
2. The household registration book, which is proof of household registration, must be brought. Marriage certificate, married people, must provide a marriage certificate, pay attention to timely change the marital status in the household registration book. Otherwise, the two materials will conflict with each other.
3. Divorce agreement. Divorced people need a divorce agreement to buy a house, because divorce agreements generally clarify the division of property. If you divorce through litigation, you must also provide materials such as judgments.
4. Collective hukou, headed by a unit, requires a copy of the home page of the collective hukou to buy a house, and must be stamped with the official seal of the unit. Passports for foreigners must be translated and notarized.
5. Materials required for purchase and transfer: real estate license, deed certificate, applicant's identity certificate, seller's marital status certificate (the real estate license does not indicate common conditions), stock house sales contract, and other necessary materials (the buyer needs to provide an agreement for the user to purchase a house).
6. Materials required for the transfer of house ownership, deed certificate, applicant's identity certificate, proof of the donor's marital status (if the house certificate is not clear about the common situation), notarial certificate of the gift contract or gift certificate, notarial certificate of accepting the gift, and other necessary materials.
7. Inheritance and transfer, required materials: death certificate of the deceased (issued by the police station or hospital), certificate of relatives of the deceased (issued by the village committee or neighborhood committee where the household registration is located), ID cards of all applicants, and house property certificate.