杭州汽车抵押贷款,押车与不押车的区别?

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2020年4月14日23:40:07 33 2,209 615字阅读2分3秒

不管是向别人借钱还是借别人钱,双方都很尴尬,所以这年头,为了更容易借钱,最好的方式是,提供抵押物进行借款!房产、车产等等,都可以作为抵押!那么额度小的话,肯定是汽车抵押贷款了,但作为贷款小白,汽车抵押贷款押车与不押车,有啥差,不着急,纳融小编就下面就跟大家一起了解一下。我是不是很好啊!

押车,这种贷款方式,就如字面理解意思一样,将自己的汽车抵押给贷款机构,车押在贷款机构,自己不能开车使用。

优点:

贷款额度高;

收费低,利率低;

贷款期限长;

缺点:

办理车辆抵押登记后,需要将车押在贷款机构制定的车库内,借款者无法再继续使用车辆。

适合对象:

无需日常使用车辆,有融资需求,信用良好的借款人。

杭州汽车抵押贷款之不押车

不押车,这种贷款方式,虽然办理了抵押贷款,但车还是可以自己开走,除了要办理正常的抵押登记手续外,通常会在车辆上安装GPS。

优点:

手续简单,办理相关抵押手续;

拿到钱,车照开;

隐私保密度较好;

缺点:

与押车方式相比,贷款机构风险相对来说比较高;

不押车方式需要安装GPS,贷款申请人需负担安装费;

适合对象:

需日常使用车辆,注重隐私,有融资需求,信用良好的借款人。

上面我们看到押车和不押车贷款的优点以及缺点,他们的区别各不相同,具体选择那种的贷款,这肯定还是要根据自己的情况来决定的,但是不管是那种抵押贷款,自己首先信用良好,这是必须的。并且在这里提请:汽车抵押贷款只有贷款公司做,所以选择贷款公司的时候一定要做好参考,避免上当受骗。

 

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