First, the borrower of second-hand car mortgage loan has stable income and good credit. First of all, the applicant must have a stable income and good repayment ability; The applicant's credit must be good, and there is no bad record on his personal credit record. Even if you have a mortgage, you must first prove that you can pay off the loan. Second, the borrower of second-hand car mortgage loan is of a suitable age and has a stable residence. Loan applicants must be between the ages of 18-65, and most of them are too young or too old to apply for loans. In addition, the loan applicant must have a fixed residence at the location of the branch of the lending institution. Third, the valuation of second-hand car mortgage vehicles is up to standard. Used cars are not like new cars. New cars are easier to get loans, but used cars are not. Under normal circumstances, the bank stipulates that only cars with a used car price of 700,000-500,000 yuan can apply for loans. The car price is too high or too low to apply for a loan. Fourth, the age of the used car mortgage loan is appropriate. Used cars should not be too old. Because cars are worn out, the newer used cars, the greater the possibility of obtaining loans; Finally, the bank also stipulates that the loan period of used cars is generally 15 years.