How to mortgage a green book: hot topics and operation guides on the Internet in the past 10 days
Recently, "green mortgage" has become a hot topic in the financial and automotive fields, especially with the increase in second-hand car transactions and short-term capital turnover needs. This article will combine the hot content on the Internet in the past 10 days to analyze in detail the process, precautions and latest data of green book mortgage.
1. What is green book mortgage?
Green copy (motor vehicle registration certificate) mortgage refers to the behavior of car owners using their vehicles as collateral to apply for loans from financial institutions or lending platforms. Because of its flexibility and fast lending speed, it has become the first choice for short-term fund demanders.
2. Inventory of hot topics in the past 10 days
| Topic keywords | Search volume (daily average) | Main discussion platform |
|---|---|---|
| Green book mortgage process | 5,200+ | Baidu, Zhihu |
| Green book mortgage risk | 3,800+ | Weibo, Tieba |
| Used car mortgage loan | 6,500+ | Douyin, Autohome |
3. Green book mortgage operation process
| steps | Specific content | Materials required |
|---|---|---|
| 1. Assess vehicle value | Evaluate the current value of the vehicle by a professional organization or platform | Driving license, green book, car purchase invoice |
| 2. Submit application | Fill out the loan application form and sign the agreement | ID card, bank card, vehicle photos |
| 3. Handle mortgage registration | Mortgage filing at the vehicle management office | Proof of identity of mortgagee |
| 4. Loans | Arrival within 1-3 working days | — |
4. Precautions and risk warnings
1.Choose a formal institution: Avoid loan sharks or illegal platforms, and give priority to banks or licensed financial institutions.
2.Interest rates and terms: Recent data shows that the annual interest rate of green mortgages is generally 8%-24%, and the term is usually 3-36 months.
3.Clear ownership: The vehicle must be free of disputes and seizures, and must not be bought or sold without authorization during the loan period.
5. Latest market data (October 2023)
| area | Average loan amount (10,000 yuan) | average approval time |
|---|---|---|
| first tier cities | 15-50 | 1-2 days |
| Second and third tier cities | 5-20 | 2-3 days |
Conclusion
Although green book mortgage can quickly solve financial problems, you need to carefully evaluate your repayment ability. It is recommended to combine the recently hotly discussed topic of "rational lending" and live within one's means to avoid falling into a debt crisis.
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