Every place is different, but a second-hand Li Xia or Geely can't get a loan, just a car with a price of about 654.38+100,000.
The handling fee for buying a second-hand car is only in transfer fees, which varies from place to place. Generally, it's like a 65,438+0,000 car, and two or three hundred is enough.
If you keep a car, it's very economical. Generally, you can pay more than 65,438+0,000 compulsory insurance every year, and the fuel cost is very low, which is similar to that of motorcycles.
As long as the car you buy is in good condition, don't always repair it, don't run a red light and pay a fine, and you don't have to pay parking fees at home and downstairs. This kind of car is much better than motorcycle.
Second, how to pay for used cars in installments?
Detailed process of second-hand car staging
1, and the age of the mortgaged car must be less than 5 years; The car in 2008 can only be mortgaged 1 year, and the car in 2009 can only be mortgaged for 2 years. If the mortgage 10 years or more, it can be mortgaged for 3 years. To meet the above requirements, the shortest mortgage period can be 6 months.
2. Mortgaged vehicles must provide: ID card, household registration book, driver's license, marriage certificate (optional), bank account, income certificate and real estate. (In case of marriage, both husband and wife certify)
3. The down payment of the mortgaged vehicle must exceed 30% of the car payment, and there is no need to provide real estate license for more than 50%.
4. The mortgagor of the mortgage car should have a good credit record in the bank credit card.
5. If the mortgagor is a foreigner, he needs to apply for a local temporary residence permit, with two copies and official seal.
6. Before the transfer, the commercial insurance of the mortgaged vehicle must be surrendered, leaving only compulsory insurance.
7. After the mortgagor's information is reviewed, the vehicle shall be transferred, and whether the vehicle has any violation record shall be indicated; Whether the vehicle is mortgaged, pledged or sealed. After confirmation, the vehicle shall be transferred and put on record.
8. After the transfer of the mortgaged vehicle, the national unified invoice (original copy), strong insurance slip (original), motor vehicle registration certificate and second-hand vehicle driving license must be kept.
9. Inform the mortgagor to purchase commercial insurance at Guanghui 4S store.
10. After the materials uploaded by the mortgage department are verified to be correct; Waiting for a loan.
3. Can I buy a used car by installment?
Of course.
1. Apply for a loan: the borrower fills in the loan application form and provides relevant information.
2. Loan review: After receiving the borrower's application and materials that meet the requirements, the bank will reply to the borrower and guarantor's credit status, repayment ability and materials as required.
3. To sign the contract, the borrower shall go through the following procedures: the bank shall sign the loan contract and guarantee contract with the borrower and go through the customs formalities.
Extended data:
Precautions for installment payment of used cars and suggestions from netizens;
1, go to the vehicle first, fill in the letter of intent to buy a car, and then bring your personal ID card, work income certificate, real estate license, household registration book, etc. The approval materials of different banks are different, so it is best to call the bank's customer service first to find out and avoid a trip in vain.
2. Fill in a car loan application form and submit the above information for review. After the bank has passed the preliminary examination, it can sign a car purchase contract, a mortgage contract and a loan contract. Car buyers and used car dealers can
3. Then pay the down payment, pay more than 50% down payment, and then the second-hand car dealers and car buyers go to the vehicle management office to handle the transfer procedures.
I want to buy an old car. Can I pay by installment payment?
Don't buy a used car if you want to buy it in installments. Wait until the foundation is better before buying a car.