The loan is not good now. The Central Bank of Kazakhstan is supervising 5W, and it doesn't borrow much from relatives and friends.

Second, how to borrow a second-hand car mortgage?

At present, it is difficult for banks and auto financing companies to approve mortgage loans for used cars, and it is difficult to evaluate the value of used cars, and it is also difficult to give accurate figures on performance and losses.

Third, how to sell the loan car?

There is nothing wrong with selling a loan car, but the loan must be paid off and the mortgage must be lifted first, otherwise others will not buy it if they can't get the certificate. It should be a good solution to such a problem. Pay off the loan with some funds in advance, and then you can buy and sell it yourself. If you don't have much money on hand, the money from selling cars is enough to pay the loan.

Tools/raw materials

pay back

draft

Methods/steps

1, repay the car loan arrears. If you want to sell the loan car, you must pay off the loan first, so that you can have the right to dispose of the car. Find the original auto loan company and explain to them the willingness to repay in advance. General car loan companies will actively handle it, and then go through the repayment procedures before starting. It is worth noting that some car loans have to pay liquidated damages in advance, which mainly depends on how to determine the contract.

2. Go through the mortgage cancellation procedures. After the car loan is paid off, things are not over yet. Only by removing the mortgage can you prove that the car is your own, so you can handle it yourself, including selling it. Therefore, after paying the loan, you must go through the mortgage cancellation procedures, and the process is also very convenient. I wonder if the staff will take you to do it.

3. Deal with vehicle violations. The thing to deal with before the sale is that the vehicle is illegal. Check whether your hand is illegal online or go to the vehicle management office. If so, deal with the violation. The person who buys a car will not bear your previous mistakes.

4. Sign a sales contract. Nowadays, people's consciousness is very strong, and there must be a contract to buy a car, which stipulates the rights and obligations of both parties. Of course, the price of the vehicle is also included. After signing the contract, the other party needs to pay, which I believe no one will forget.

5. Go to dmv for vehicle transfer procedures. After receiving the deposit or full payment, you must take the car buyer to dmv to handle the vehicle transfer procedures. The registration system implemented by the state for motor vehicles has no property right until it is registered with the vehicle management office, so even if you don't mention it, others will let you do it. Take both ID cards and vehicle driving licenses, and now go through the transfer formalities.

6. There is no money to repay the loan. For those who have no money to repay the loan and want to sell the car, the method is also very simple. You can repay the loan by swiping your own credit card or something, even if you can't swipe your friends and relatives, you can borrow it, that is, a few days' turnover time, and people have little reason to refuse. If it doesn't work, you can contact the seller and ask him to repay the loan as a deposit first.

4. What is the second-hand car mortgage loan process?

The second-hand car mortgage loan has the following procedures: 1. The borrower submits the application materials related to the loan to the bank; 2. The bank conducts a preliminary examination of all application materials submitted by the borrower; 3. The bank investigates the borrower's personal credit information and funds; 4, the bank to meet the loan conditions and has passed the preliminary examination and credit investigation of the loan application for approval; 5. The bank informs the borrower who has passed the examination and approval to go through the relevant procedures such as contract signing, lending, mortgage or pledge; And explain the borrowers who have not passed the examination and approval; 6. When a bank issues loans after the loan contract comes into effect, it usually pays the funds in the form of special loans, that is, according to the loan contract, the bank directly transfers the funds to the dealer account of the borrower's car purchase. The second-hand car mortgage loan has the following requirements: 1, and borrowers generally require natural persons with full civil capacity to be from 18 to 60 years old; 2. Good reputation, good willingness to repay, a fixed occupation and a predictable source of repayment, and being able to repay on time and on schedule; 3. Require the purchased used car to be mortgaged, and handle vehicle insurance according to the relevant requirements of the bank; 4. Other requirements stipulated by the bank. Information expansion Conditions for handling the transfer of used cars: legal sources and procedures, no records of bank pledge and seizure, no records of traffic violations and untreated accidents, no records of arrears, and all documents are complete. Materials and certificates required for the transfer of used cars: new owner's ID card, original/copy of vehicle driving license, motor vehicle registration certificate, motor vehicle inspection form and invoice. All of the above are required to provide the original. The specific required materials are mainly provided by dmv. Matters needing attention in auto loan: loan amount: if the purchased car is for personal use, the loan amount shall not exceed 80% of the price of the purchased car; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, and the loan amount for commercial trucks shall not exceed 60% of the price of the purchased vehicle; Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years; Loan interest rate: subject to the loan interest rate stipulated by China Construction Bank; Repayment method: If the loan term is less than one year, you can use any repayment method, such as monthly interest, equal principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average capital repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.