First, the ordinary bank automobile mortgage.
Bank of China automobile mortgage
China Bank can provide automobile mortgage, with a loan amount of up to 70% of the vehicle value and a maximum term of 5 years. Bank of China has a low interest rate on car mortgage, and the repayment method is flexible, so it needs to provide a good credit record and vehicle certificate.
Agricultural Bank of China Automobile Mortgage
Agricultural Bank of China can also provide automobile mortgage, with a loan amount of up to 60% of the vehicle value and a maximum term of 3 years. The interest rate of Agricultural Bank of China in automobile mortgage is low, so it needs to provide good credit records and vehicle certificates.
China Construction Bank Automobile Mortgage
China Construction Bank can provide automobile mortgage, with a loan amount of up to 60% of the vehicle value and a maximum term of 3 years. CCB's car mortgage interest rate is low, so it needs to provide good credit records and vehicle certificates.
Second, the auto finance company automobile mortgage
In addition to common banks, some auto financing companies can also provide automobile mortgage. These auto financing companies usually cooperate with auto manufacturers to provide more convenient automobile mortgage services for car owners. For example, Volkswagen Finance and Ping An Bank Auto Finance.
Third, the actual case analysis
Mr. Zhang bought a car worth 200,000 on 20/0/9. Now, because the family is in urgent need of money, he is considering using his car as collateral to get a loan. After comparing the automobile mortgage products of different banks, he chose the automobile mortgage of China Construction Bank.
China Construction Bank's auto mortgage line is 654.38+0.2 million, with an interest rate of 4%, and the longest term is 3 years. Mr. Zhang provided the vehicle certificate, ID card and other materials. After examination, China Construction Bank agreed to lend him 6,543,800 yuan+0.2 million yuan. After handling the loan, Mr. Zhang got 6.5438+0.2 million yuan, while retaining the ownership of the vehicle.
Fourth, summary.
This paper introduces which banks can provide automobile mortgage, including China Bank, Agricultural Bank, China Construction Bank and some auto financing companies. These banks and auto financing companies can provide automobile mortgage services, but they need to provide different information and terms. Car owners can choose their own car mortgage products according to their own needs.
When choosing automobile mortgage, we need to pay attention to some problems. First of all, you need to choose a reputable bank or financial institution and know the detailed terms and interest rates of the loan. Secondly, we should repay the loan on time in accordance with the contract, avoid overdue and other situations, and avoid unnecessary losses.
In short, when choosing a car mortgage, car owners need to choose a product that suits them according to their actual situation, and they also need to know the loan policies and requirements of different banks and financial institutions.