1. Generally speaking, the appraisal price of a car is determined by the appraisal institution, and the mortgage rate of the car is determined by the borrower's credit status and repayment ability. Second, so to know the amount of 200,000 car mortgage, we should not only know the current evaluation value of the car, but also see what kind of car mortgage the applicant should choose. Usually the car mortgage rate is around 60%. A new car mortgage loan of 200,000 yuan is generally evaluated as 6,543,800+2,000 yuan because of the rapid depreciation of the car. Third, generally speaking, lending institutions will refer to the brand, age, mileage and license ownership of vehicles to judge the loan amount. The better the quality of the vehicle, the more money you can borrow, and vice versa. Details are as follows: 1. If the loaned vehicle is a commercial vehicle, the maximum loan amount shall not exceed 70% of the total value of the vehicle; 2. If the car loan is a private car, the maximum loan amount shall not exceed 80% of the total value of the car; 3. If it is a second-hand car, the loan amount is determined by the evaluation value. As far as automobile mortgage is concerned, it can be divided into mortgage loans and non-mortgage loans. Under normal circumstances, the amount of mortgage loan that can be applied for is about 70%-90% of the valuation; Car mortgage, not by car, can apply for a loan of up to 70%. In addition, if effective rights are pledged or banks or insurance companies provide joint and several liability guarantees, the maximum loan amount shall not exceed 90% of the face value of the pledged property. : The procedures required for car loan are as follows: 1. Car purchase contract. Car purchase contract is a formal sales contract signed by the buyer and the seller, and it is a basis to ensure the rights and interests of both dealers and consumers. 2. Other procedures: (1) Industrial and commercial verification: formal car purchase invoice and automobile quality certificate provided by the manufacturer. (2) Apply for a mobile license plate: vehicles without a license plate cannot go on the road. After verification, consumers have also obtained a vehicle movement permit from the traffic police department. (3) Handling the driving license: prepare two photos of the new car; Temporary driver's license; Record card; Road maintenance fee voucher. (4) Pay the vehicle and vessel use tax: put it on record at the surcharge collection office, affix a record stamp on the surcharge voucher, and then pay the vehicle and vessel use tax at the local tax bureau (or at its resident collection office when buying a car) and get a tax tag.
2. What is the amount of car mortgage and car mortgage?
Individuals applying for auto mortgage credit depends on the current evaluation of cars. A car can be used as a mortgage, which can be 70%. Therefore, the loan amount of a car depends on the car and whether the applicant wants a car. At present, there are mortgage loans and car mortgages, and the loan amount can reach 70%-90%. However, individuals who mortgage cars can do it according to their current car mortgage methods. If you need a car for car mortgage, you need a full car. If you buy a car by mortgage, you need to pay off the loan before you can apply for a mortgage loan.
3. What is the general amount of car mortgage?
Hello! If it is Chongqing's car mortgage amount, it can reach twice the car price. Because it is a bank loan, the system will comprehensively evaluate your qualifications, and the multi-dimensional qualification E is higher!