Ping An car owners need to mortgage the car registration certificate to Ping An Bank, but there is no telephone call back during the loan application period, so they need to check the car online. Users with good credit qualifications can also be exempted from inspection. However, if the Green Paper is mortgaged, the owner will only have the right to use the car and no ownership. If the repayment is overdue, Ping An Bank can handle the mortgaged vehicle according to the contract.
After the loan is settled, you need to go through the formalities of mortgage cancellation and get back the car registration certificate. This step cannot be saved.
Generally speaking, when borrowers apply for loans on online lending platforms, they all hope to find a platform with complete qualifications, low interest rates, formal procedures and fast lending speed.
It's getting easier and easier to borrow money online now. Many pure credit loans can borrow money without mortgage guarantee, but the risk control mechanism of each platform is different and the threshold is different, and the loan amount will also affect the pass rate.
For those who are in urgent need of capital turnover, it is more suitable to be able to lend money quickly and apply for simple microfinance. There are so many small loan apps on the market that I have counted some good small loan platforms for everyone. If you want to borrow money, put it away!
1, money to spend
Qianhua is a personal micro-credit loan product under the former Baidu Finance (now Xiaoman Finance). Borrower's age 18-55 years old. It should be noted that college students cannot apply for money to spend loans.
A convenient and fast micro-loan platform can provide a loan amount of 500,000 ~ 200,000 yuan (click online calculation). Register your account with real-name registration system mobile phone number, and provide your ID card+bank card. Baihu Baidu account is active and easy to pay, but the amount may not be very high.
2360 IOUs
Everyone should be familiar with 360 finance. After many products with good reputation, 360 IOU is a formal and safe credit product under 360 Finance, which can be used as a micro-loan platform to provide 5 million to 200,000 credit lines to customers who meet the credit conditions (click online calculation).
As long as you fill in your personal information, upload your ID card and bank card to complete the authentication, and you can get a loan after the quota is issued. The speed of borrowing has a certain relationship with the borrower's credit conditions, such as 360 big data, stable repayment ability and good credit, which can quickly lend money in a few minutes.
How can personal small loans have low loan interest?
1. Choose a suitable lending institution: give priority to bank loans. Compared with other financial institutions and some private lending institutions, the interest rate of bank microfinance will be lower, followed by licensed financial institutions and finally private lending institutions. How to choose specifically should be combined with your own actual situation.
2. Choose the appropriate loan type: Common loan types include credit loan, mortgage loan, pledge loan and secured loan. Although credit loans do not need mortgage guarantee, borrowing money by credit is risky and the interest will be higher. The latter three types of loans have collateral or guarantee, so the risk is relatively small and the interest will be slightly lower.
3. Choose an appropriate repayment method: Lenders usually give a variety of repayment methods according to the lender's credit status, such as average capital, equal principal and interest, interest before principal, etc., which will also affect the loan interest to some extent. Relatively speaking, the interest on average capital will be lower.
4. Become a high-quality borrower: in fact, it is to improve personal credit conditions and become a fragrant bun in the eyes of lending institutions. Generally speaking, we can start from two aspects: on the one hand, we must maintain a good credit, on the other hand, we must have a stable repayment ability, and we can also let ourselves have assets in our name by buying a house and a car, so that loans are easier and interest will be lower.