Person-to-person second-hand car transactions can be loaned. Requirements: 1, full capacity for civil conduct, no bad bank credit record. 2. Units with good personal social credit and no bad credit records can also apply, and they need to provide real estate licenses (or purchase contracts) in Guangxi, such as business licenses. Customers who have no real estate can find someone to guarantee (the guarantor must have a real estate license or a house purchase contract), and customers who have proof of income and a complete running account for half a year.

Basic requirements for personal loans for used cars:

1. Vehicle type restriction: the vehicle age cannot exceed 5 years from the date of vehicle production; The loan period for vehicle age cannot exceed 6 years.

2. Loan ratio: 50%-70% of the appraised car price.

3. Loan term: 13 months -36 months.

4. Car price requirements: higher than the estimated price of 654.38+ 10,000 yuan.

5. Interest rate: 8.8% per year (7.33% per month).

Second, how to obtain private loans for second-hand car business?

Private loans need to be mortgaged. You can mortgage with what you can.

Third, how to borrow money for personal second-hand car transactions

The minimum down payment for buying a used car by stages is 50%, and the minimum for buying a car is 80,000. It is necessary to provide proof of income and proof of house purchase, and the bank can only lend money after approval. Individuals can borrow money for second-hand car trading. Requirements are full capacity for civil conduct, no bad record of bank consultation, good personal social credit and no record of bad loans. Need a business license. If there is a real estate license or purchase contract in Guangxi, customers without real estate can find someone to guarantee it. Such customers can have proof of income, or they can have full running water for half a year. The basic requirement of personal loan for used cars is that the age of the car should not exceed 5 years from the date of vehicle production. Borrowing ratio. Calculated according to 50% or 70% of the appraised car price, the loan period is three to 36 months. Basically, the procedures are complete, and you can make a personal loan for used cars if you meet the conditions. How to find a private used car? First, buy personal used cars through the introduction of relatives and friends. Many relatives and friends around me will change cars. The car sources introduced by acquaintances and friends are generally more real, have a higher understanding of cars, and are generally cheaper than car dealers, which really saves intermediate links. Second, by entrusting professionals to buy personal used cars. If a friend is engaged in auto repair, you'd better entrust him to find your car source. In addition, you can systematically check the cars you buy to avoid buying accident cars and other cars with big problems. Third, buy personal used cars through the used car market. Today, with the development of network information, the second-hand car trading market still has its place. There are many sources of vehicles, and the classification of high and low-grade vehicles is clear, which can quickly understand the vehicle market. The second-hand car market is easy to transfer, so you can directly face the car condition. The same paragraph can be compared on the spot. Hot-selling models are more common and vehicles circulate faster. If there is a regulatory department in the market, there will be market intervention, which will play a certain binding role on businesses. Fourth, buy personal used cars through personal used car websites. Buying used cars through the Internet has no geographical restrictions, and you can enjoy the national car source without leaving home, saving time and effort. It can be screened for a certain brand, car series and model, and can be accurate to price, car age and car source positioning. There are many sources of vehicles and a wide range of choices.

4. How to borrow a second-hand car loan? How much is the interest?

Every city is different. In Beijing, the second-hand car loan provided by Ping An Bank has a down payment of 50% and an annual interest rate of about 12%. Calculated, if the loan is 654.38 million yuan, the annual interest rate is about 6700 yuan.

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