Engineering machinery vehicle mortgage loans

 

  Engineering machinery vehicle mortgage business is the future development of the private loan business the main products, development potential is likely to exceed the bank is currently the most important real estate mortgage business. Development of engineering machinery vehicle mortgage business, the bank should directly contact the company's sales department, to provide mortgage financial service bank, sales department in the enterprise initiative, the financial sector will collapse of itself.

 "The product definition

  Engineering machinery vehicle mortgage refers to the issuing bank for the purchase of engineering machinery vehicles in special dealer borrowers RMB loans, guarantees generally provided by the dealer, engineering machinery and vehicle manufacturers provide repo collateral, which belongs to the type of data production of investment loans varieties.

  At present the bank usually only for excavator, purchase the designated brand loaders, rollers, bulldozers, cranes and other provide credit support.

  Usually the maximum loan amount does not exceed: engineering machinery price 7, the longest period of 3 years of mortgage loans, loan guarantees for: "the borrower purchased mortgage + manufacturers of construction machinery on the mortgage loans by the sale of construction machinery repurchase guarantee + manufacturers to provide a certain proportion of deposit".

 "The product background

  China rapid economic development, local infrastructure investment is a huge amount, the strength of the foreign car construction machinery factory occupy the China, modern, Komatsu, Hitachi, Ingersoll Rand and other world famous already in Chinese factory. And engineering machinery vehicles final consumers are generally of the self-employed, small scale of construction enterprise. Generally a one-time payment ability is poor, and relies on the use of machinery vehicle construction earn service fee, installment, generally about 3 years to repay the loan. Mechanical car manufacturers can take technical means to control the vehicle, at the same time in order to sell needs, are generally willing to provide repo collateral. Engineering machinery vehicle service industry characteristics determines the appropriate payment business.

  The application object

  Approved by the right management department registration of enterprises (thing) industry corporate.

 "Business process

  1, by the head office of the lead, sponsor Bank (core firms to the local branch) approved repurchase guarantee for the amount of car construction machinery manufacturers, China signed with each other on the engineering machinery vehicle total cooperation agreement, the cooperation between the two sides content, mode of operation and other matters, the manufacturers recommended dealer list. The head office will notify the bank cooperation.

  2, joint line (dealers to the local branch) approved the guarantee amount for dealers, manufacturers and distributors in the specified amount, CO signed a construction machinery vehicle three party cooperation agreement. In the agreement that: business process, the ratio of margin, vendor specific conditions of repurchase, and the statement, for the engineering machinery vehicle borrower Bank approved the future, manufacturers will provide repo collateral confirmation, clear the borrower in the contract agreement three party within the scope of security.

  3, authorized dealer to the bank recommended the purchase of locomotive customers. Provide relevant information to the bank, bank credit to the customer.

  By 4, the credit approval, the bank and its customer signed the "loan contract" "guarantee contract" "mortgage contract", the customer will be a certain proportion of the first payment of provident bank.

  5, dealers in the bank mortgage loans, the contract of sale the sale of merchandise invoices and the corresponding "engineering machinery mortgage loan applications and irreversible repurchase guarantee letter of commitment" to designate a person responsible for the service of the bank. The Distributor shall ensure that Party A shall provide to Party B the three package manufacturers such as documents, real effective, uniqueness.

If the borrower to engineering machinery vehicles purchased as collateral, should be to the banks for the first beneficiaries of insurance for banks designated by the insurance to insurance companies, and will be handed to the bank to save original insurance policy. The period of insurance should be short in the "loan contract" agreed loan period. Dealers and the bank for the mortgage registration, at the same time, dealers and banks should have "loan contract", "mortgage contract" and the compulsory execution notarization. Party A shall handle the formalities should assist.

  After 6, to be dealt with the corresponding procedures, the bank according to the "loan contract" agreed loans to borrowers in the bank savings passbook or a card account, and based on the borrower's "principal is authorized letter" and party a debit authorisation will be the first payment and loan directly into the dealer opened in the bank account.

   7, customer amortization bank loan interest.

  "The term"

  Usually the engineering machinery vehicle loans for the longest period of not more than 3 years (including 3 years), different brands of vehicle loans for different.

  "The interest rate

  Engineering machinery vehicle loan interest rates stipulated by the people's Bank of China lending interest rate, as follows:

  1, take the floating interest rate, loan period within 1 years, according to the contract rate of interest, meet the basic interest rate adjustment, loan interest rates unchanged; loan period in more than a year, in the basic interest rate adjustment, in the following year according to the corresponding grade of the implementation of the new loan interest rates.

  2, take a fixed interest rate, to keep interest rates in the loan period unchanged, regardless of the basis of whether interest rate adjustment.

 "Risk control

  1, "mortgage engineering machinery repurchase guarantee" (hereinafter referred to as "repo collateral") when meet the buy back conditions, the bank that issued a "construction machinery" and overdue repurchase notification list to Party A, repurchase behavior of firms in the receipt of the above documents should be confirmed within 3 working days and mortgage completed engineering machinery.

  2, the "buy back conditions" refers to the borrower in the repayment period for three consecutive months, failed to arrive on time, in full and the return of bank loans and / or loan finally failed to return in full amount due interest bank loans, buy back conditions is established.

  3, "repurchase price is equal to the" outstanding loans and related reasonable expenses. Repurchase behavior does not involve mortgage real transfer of Engineering machinery.

 

  "Marketing suggestions

 1, engineering machinery vehicle loans with high return, low risk, short cycle, good economical benefit and social benefit characteristics, is that banks should vigorously expand the business.

   Marketing target customers can locate in good credit, have very stable cash inflow, purchase need fixed assets, but unwilling to lump all the funds will be invested in fixed assets of the enterprise legal person. The ideal customers such as: construction companies, contract firms, large scale enterprise etc..

  Since the distributor generally small scale, lack of capital, weak anti risk ability, therefore, generally is the bank provide a total guarantee amount of car manufacturers of construction machinery manufacturer, by cutting to the dealer, dealer to provide guaranty of mortgage loans, by the manufacturers to provide additional collateral.

 2, because our car construction machinery manufacturer is numerous, competition is intense, thereforeLarge manufacturers must choose a larger scale, market share higher, more standardized management.

  Description: Sales of all kinds of engineering machinery vehicle mortgage service scheme, related agreement text etc..

  Each 10 yuan.

  Tel: cloud teacher 858636688586020113601365226