Buy a second hand car Mortgage buy, can I get a loan to buy a second hand car

Used cars can be loaned.

Second-hand car loans, i.e., second-hand car mortgage loans, refer to a kind of loan issued by commercial banks to individual borrowers for the purchase of second-hand cars for self-use of consumption, and the purchased vehicles are used as collateral and collateral. At present, the development potential of second-hand cars in China is very large, and many people are in great need of second-hand cars due to limited economic capacity, or only for car training or transitional use. Used cars with mileage of less than 120,000 kilometers and less than 5 years old can apply for loans.

The information to be prepared to apply for a loan includes: the car buyer's ID card, household registration book, housing certificate, income certificate (the monthly income must be twice the monthly repayment), two one-inch recent photos, and if the car buyer is married, a marriage certificate and spouse certificate.

Used Car Loan Qualification Requirements:

1. Residents of Chinese mainland, or residents of Hong Kong, Macao and Taiwan who have lived in China for more than 1 year (including 1 year) and foreigners (non-active military personnel).

2. Age 18-60 years old.

3. Have a normal and fixed residence.

4. Have a legal and stable job and income.

5. Good credit history.

6. No criminal record.

If you can't go to the bank by yourself, it's usually a financial company.

The handling fee will not exceed 2000, and the ones we are looking for here are all 2000, with interest.

Can be loaned, second-hand car mortgage loan, refers to the commercial bank issued to individual borrowers, for the purchase of consumer self-use second-hand cars and the purchased vehicle as collateral and mortgage of a loan, now the commercial banks here not only have banks, but also major economic and financial institutions.

Notes:1First of all, be sure to buy from regular channels. Second-hand cars have certain particularities, vehicle conditions, procedures and other aspects should be complete.

2.When buying a second-hand car, try to choose a model with a large number of ownership, due to the low market share of niche models, the high cost of follow-up maintenance and use, and the cost of use is high.

The process of a used car loan is as follows:

1. Dealers consult about loans.

When you have chosen your favorite car, you first need to go to the car dealer to consult about the purchase of the car, determine the model of the car, and the total amount of the car. In this way, you will have a detailed understanding of the selected model, whether it is from the first, performance, or after-sales service after buying a car, through communication with the car sales staff to let you have a bottom in your heart.

2. Review the information of the loan to buy a car.

Then, you need to submit the information of applying for a loan to the dealer for a preliminary review, including filling in the application form for automobile consumer loan, contract and other bank loan information, and providing credit certificates such as ID card, household registration booklet, income certificate, real estate certificate, marriage certificate and other credit certificates for yourself and your spouse, and the borrower and spouse will sign the loan contract and related documents. This is done so that banks, insurance companies and car dealers have an idea of your situation, and as long as the situation meets the loan conditions, then the loan business can be processed smoothly.

3. Pay the down payment and sign the car purchase contract.

Pay a down payment according to the model you choose, usually 20% of the whole car price (some dealers will have zero down payment models). After that, the car purchase contract is signed with the dealer, and the insurance company handles the corresponding car insurance.

4. Bank acceptance and review.

The dealer submits the customer information and the purchase contract to the bank, and the bank conducts a pre-loan investigation, and when these are completed, the bank will confirm the loan.

5. Dealer delivery of vehicles.

After the bank lends money to the car dealer, the dealer will go through the intermediate procedures such as household registration procedures, license plate and vehicle insurance, and deliver the car to the car buyer at the agreed time. At this point, the entire process of buying a car with a consumer loan is completed.

Loans are available. Second-hand vehicle loans and new car loans are exactly the same, through the way of loans to buy motor vehicles, can reduce the pressure of life, the way of loans to pay for the vehicle, later through the way of monthly payment to repay, is a very good way to buy.

It is possible to take out a loan, and a used vehicle loan is exactly the same as a new car loan.

According to the relevant laws and regulations of our country, it is also possible to take out a car loan to buy a second-hand car.

Decree No. 2 of 2017 of the People's Bank of China and the China Banking Regulatory Commission - Measures for the Administration of Auto Loans (revised in 2017) refers to loans issued by lenders to borrowers for the purchase of automobiles (including second-hand cars), including personal auto loans, dealer auto loans and institutional auto loans.

The term "auto loan" in these Measures refers to the loan issued by the lender to the borrower for the purchase of automobiles (including second-hand cars), including personal auto loans, dealer auto loans and institutional auto loans.

Hello First of all, a used car mortgage can be bought, but there are a few things that must be known.

1. There will be a guarantee company for a used car loan.

The sponsoring company must be a large company.

2. There are no other fees for second-hand car loans except GPS plus sealing fees and insurance.

3. Early repayment.

, it basically won't make you pay much less interest.

4. The more the down payment, the less the loan will be repaid, the less the down payment will be repaid, and the more the loan will be repaid.

6. Try not to check the credit of the loan once after it has passed.

7. When you don't have a loan, first ask what the fees are, how much a month, GPS and closure fees will definitely have, if not, it will be directly integrated into the interest for you, in addition to the above fees, there are other costs.

The borrower has a stable economy** and a good credit record. First of all, the applicant must have a stable income and good repayment ability. The applicant must have good credit and no bad credit records on his or her personal credit record.

Detectives buy a car and buy a used car with a low down payment.

The most important thing after buying a second-hand car is to transfer ownership, which can be divided into vehicle transfer and insurance transfer, and there are usually corresponding agency points in the second-hand car trading market.

Compared to new cars, the ** of used cars is definitely much lower. There are many families who are financially struggling and want to buy a car instead of walking. Because new cars are too expensive, used cars have become the first choice for such families.

However, buying a second-hand car is also a large expense, so some lending institutions have launched second-hand car loan services, which not only solves the desire of many families to buy a car, but also will not be affected financially. So how does the Chengdu second-hand car loan process go? What information do you need?

The following Dong Qing Financial Bian Xiao will give you a detailed introduction.

What is the loan process for used cars in Chengdu?

1.Determine the used model that needs to be purchased;

2.Submit an application for a loan to purchase a house, draw up a loan installment method, and submit relevant supporting materials;

3.Pending approval and disbursement;

4.After the loan is released, you can pay the down payment and drive the car away.

Do you know these processes for used car loans in Chengdu?

In fact, the process of a second-hand car loan is similar to that of a new car to a bank loan. The difference is that some financial loan companies require that only second-hand cars with a mileage of less than 20,000 kilometers and no more than 5 years old can be loaned. The down payment ratio of the used car loan is 50%, the maximum loan term is 3 years, and the minimum loan term is not less than 13 months.

In addition, the high operating life of the car plus the loan term is not more than 6 years. After the pre-loan information is reviewed, the original motor vehicle registration certificate after the transfer is completed will be sent to the auto finance company, and the auto finance company can release the loan after confirming that it is correct. It only takes a few working days to drive the car home.

Generally, used car loans require a minimum down payment of 50%, but there are also lenders in the market that can achieve a down payment as low as 30%. Whether it is a new car or a used car, the car is a representative of consumables, and the mortgage, maintenance, and insurance in the later period are all a lot of expenses. Therefore, you must buy a car according to your own economic strength, follow the principle of pressure in installments, and be cautious in borrowing money, do a good job in your own financial planning, and keep your economic life in a healthy state.

Millions of car purchase subsidies.