Whose name is the owner of the loan car?
Like the normal procedure, you can fill in any legal natural person. Not affected by loans.
Buying a car by loan means that the borrower applies for a loan from the lender to buy a car, requiring the car buyer to pay a certain down payment and provide proof of repayment ability, and has no bad credit record.
The materials needed to apply for a loan to buy a car include personal valid identity documents, household registration certificates or long-term residence certificates, and personal income certificates. At present, most 4S stores have cooperation agreements with banks, which are guaranteed by 4S stores or third-party companies to help consumers borrow from banks. Different 4S stores choose different banks.
Do the car loan * * * and the repayment person own the property rights of the vehicle? Who is the person who borrowed money to buy a car?
Buying a car with a loan can increase the number of borrowers, and many people want to know how the property right of the car with a loan is distributed. Vehicle property rights are generally identified by the name on the green paper, and a green paper has only one name. Then, does the car loan * * * own the vehicle property right with the repayment person? Who is the person who borrowed money to buy a car? Let's analyze it below.
Do the car loan * * * and the repayment person own the property rights of the vehicle?
The vehicle * * * is also responsible for the repayment of car loans and should have the property rights of the vehicle. But generally speaking, there is only the name of the lender in the Green Paper, and there is no name of the * * * repayment person. Therefore, it is necessary to determine who owns the car loan according to the identity of the repayment person.
1. If * * * is the lender's spouse.
Moreover, it is a loan to buy a car after marriage, and the husband and wife use the same property to repay the car loan. Although the Green Paper does not have the name of the borrower, it also owns the property right of the vehicle like the lender. In case of divorce, the vehicle can be divided.
Unless the lender notarizes the premarital property and repays the loan with his own premarital property without using the money of the same repayment person, the same repayment person does not enjoy the property right of the vehicle.
2. If * * * is not the lender's spouse.
Generally, the ownership of vehicle property rights is confirmed by the name on the Green Paper. Usually, whoever borrows the name of the green paper belongs to him, and then * * * and the repayment person do not own the property rights of the vehicle.
However, if the lender fails to repay the loan, * * * will bear the corresponding repayment responsibility, because the lender's debt is also counted as * * * debt together with the repayment person. However, * * * the same repayment person can provide the corresponding repayment certificate and recover from the lender after repayment.
The above is the introduction of "whether the car loan * * * has the property right of the vehicle with the repayment person". I hope it will help everyone.
In whose name is the loan to buy a car?
Legal analysis: it belongs to the car buyer. In whose name does the car loan get off, it means who will bear the repayment responsibility. Now the car is bought by loan, and the owner is the borrower. The name can be found in the vehicle management office. In fact, the borrower is the owner's name, as long as the repayment is on time, the source of funds is not important. The car in the loan cannot be transferred, so the owner's name cannot be changed. You can't go to the DMV until you pay off your car loan. Buying a car with a loan can identify the owner and the borrower and avoid unnecessary troubles in the future.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 206 The state adheres to and improves the socialist basic economic system with public ownership as the mainstay, multiple ownership economies developing together, distribution according to work as the mainstay and multiple modes of distribution coexisting, and adheres to and improves the socialist market economic system.
The state consolidates and develops the public sector of the economy, and encourages, supports and guides the development of the non-public sector of the economy. The state practices a socialist market economy and guarantees the equal legal status and development rights of all market participants.
208th Article The establishment, alteration, transfer and extinction of the real right of immovable property shall be registered according to law. The establishment and transfer of the real right of movable property shall be delivered according to law.
Who should I write the name of the car with a loan?
Hello, if it is a loan to buy a car, the owner will write the name of the lender. For example, if you borrow a car, the owner will write your name, and then you will repay it on time according to the loan contract, and there will be no overdue situation. I wish I had paid off the loan.
Applying for a loan to buy a car has the following procedures.
Loan consumption is becoming more and more common. What are the procedures for a novice to apply for a loan to buy a car? First of all, you need to know the basic conditions for handling personal car loans:
/kloc-citizens over 0/8 years old with full capacity for civil conduct.
Have legal identity documents, local permanent residence or valid residence certificates.
This is the basic condition for handling car loans. Let's take a look at what procedures are needed to buy a car with a loan.
Secondly, the process of loan to buy a car:
1: The borrower submits the loan application materials to the bank.
2. The bank conducts a preliminary examination of the application materials submitted by the borrower.
3. The bank conducts credit investigation and customer evaluation on the borrower.
3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation.
4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower.
5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.
Finally, I need to know the information I need to buy a car with a loan.
1: personal loan application
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, proof of spouse's identity shall be provided.
3. Household registration certificate or long-term residence certificate
4. Personal income certificate, family income or property certificate when necessary.
5. Certificate of intention to buy a car issued by the car dealer.
6. Loan to buy a car down payment certificate
7: If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet.
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
The more common the loan consumption pattern is, the more cautious the novice should be when handling the loan to buy a car, and look at the formalities carefully. In order to avoid unnecessary troubles caused by the latter after the loan.
After buying a car with a loan, is this car in the name of the bank? It's not in my name?
I bought the car with a loan, and the owner of this car is still in your name. Generally, the loan period for buying a car is up to three years, and the loan amount will not be too much. Your vehicle information is kept in the bank, so the account is naturally in your name.
Who is the person who borrowed money to buy a car?
1. Who owns the vehicle during the loan period?
The bank borrowed money to buy a car, and before the loan was repaid, the ownership belonged to the owner and the bank.
To apply for mortgage registration according to Article 23 of the Regulations on Motor Vehicle Registration, the owner of the motor vehicle shall fill in the application form, which shall be jointly applied by the owner of the motor vehicle and the mortgagee, and submit the following documents and vouchers:
(a) the identity certificate of the motor vehicle owner and the mortgagee;
(2) Motor vehicle registration certificate;
(three) the main contract and mortgage contract concluded by the motor vehicle owner and the mortgagee according to law.
The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of mortgage registration on the motor vehicle registration certificate.
Second, who is the person who borrowed money to buy a car?
At present, most loans to buy a car are reserved for ownership. Before the consumer pays the full amount, the ownership of the car is mortgaged and does not belong to the user. It is precisely because of this that consumers are often deceived by car dealers who lack integrity.
1, go through the formalities and find a reason to raise the price.
When you are ready to pick up the car, all the formalities have been completed, and the car dealer requires the consumer to pay a certain amount of cash on the basis of the original car payment before picking up the car. The dealer will give many reasons, such as the price increase of the car during the full payment period, or the failure to complete some formalities within the specified time. Don't be fooled by them.
Some dealers cheat extra money by "stitching".
Remind you, before buying a car, you must choose and understand the formal auto sales and auto finance guarantee companies to handle automobile mortgage business, and get to know the reputation and strength of mortgage and sales companies on the spot through various channels. Why? Because there are some "sewing" people wandering in the market at present, they have neither credit qualification nor car source, and they want to make a profit in this area, so they take consumers to a car dealer with credit qualification to handle some related matters of car installment payment procedures. However, dealers use the difficulty of loan procedures and the complexity of calculation methods to deliberately overcharge consumers and earn ill-gotten gains. In this way, "sewing" personnel can earn a net commission from consumers.
Some car dealers cheat consumers into signing blank contracts.
Now some car dealers take advantage of consumers' lack of legal knowledge to deceive consumers into signing blank contracts. Suppose that when the consumer goes to the dealer to go through the formalities of buying a car, the dealer verbally tells the consumer that he only needs to pay 25% down payment and only borrow 40 thousand yuan, provided that the consumer signs a blank contract. However, after the completion of consumer loan procedures, when consumers saw the credit contract, they found that the loan amount was different from the previously promised price.