1. How to get a bank loan to buy a second-hand car. I don’t have a house or a car

Generally speaking, the value of second-hand cars is not high, and even newer cars can easily lose value. If a bank provides a second-hand car loan and the risk of default occurs, the value of the recovered vehicle will not be high. For the bank, the loss will be considerable. In addition, it is difficult to determine the price of second-hand cars. Banks lack professional second-hand car appraisers, and some second-hand car intermediaries maliciously increase the appraisal price in order to borrow more money from banks, which increases the risk of bank loans. Therefore, banks strictly stipulate that in order to carry out second-hand car loan business, the vehicle valuation must be between 80,000 and 1.6 million, the age of the vehicle must be less than 5 years, the down payment must be no less than 50%, and a guarantee must be provided, and even Some banks require real estate as collateral. All the above regulations are to minimize the risks borne by the bank.

Banks carry out loan business, but in order to make a profit, no one will do a money-losing business. However, second-hand car loans are faced with such a dilemma. Nowadays, new cars are replaced very quickly. One model in the first half of the year, and another in the second half of the year. In this way, the previous model has depreciated in value. Maybe in two or three years, a new car priced at 100,000 yuan will be 30,000 to 40,000 yuan cheaper than in the same period. Not to mention second-hand cars, their values ??have plummeted. The depreciation of second-hand cars has directly led to a sharp decline in bank profits, making it impossible to extend credit business. This is also a major reason for the frozen situation of second-hand car loans.

2. How to get a second-hand car loan from a bank yourself?

This is actually a mortgage loan, as long as you bring your ID card. Bring proof of income. Credit reference certificate, etc. Please go to the bank to inquire about the specific procedures.

3. How to get a second-hand car loan from a bank yourself?

This is actually a mortgage loan, as long as you bring your ID card. wait. Please go to the bank to inquire about the specific procedures.

4. What are the procedures for second-hand car loans?

The second-hand car loan process can be divided into the following steps:

1. The car buyer goes to the bank branch for consultation, and the branch recommends the user to have signed the "Second-hand Car Consumer Loan" with the bank. Cooperation Agreement" special dealer.

2. Go to the dealer to select the second-hand car you want to buy, sign a car purchase agreement with the dealer, and specify the model, quantity, color, etc.

3. Go to a bank outlet to apply for a loan. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity document, proof of occupation and income, basic family situation, car purchase agreement, guarantee certificate Required supporting documents and other conditions stipulated by the lender.

4. The bank will review the user's credit standing. The bank will notify the car purchase borrower within fifteen working days after the loan application is accepted, and sign a "Second-hand Car Consumption Loan Contract" with the borrower who meets the loan conditions. The maximum amount of a second-hand car consumer loan shall not exceed 60% to 80% of the purchase price (varies among loan banks), and the loan period shall not exceed three to five years (varies among loan banks. Taking Beijing as an example, second-hand Car loans require a down payment of 50% and the loan term is up to three years).

5. Sign a loan and guarantee contract. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contracts with the applicant. Guarantee methods and corresponding procedures:

(1) If the user provides a third-party joint liability guarantee method (except banks and insurance companies), the guarantor and the bank shall sign a guarantee contract, or the insurance company may provide a joint liability performance guarantee Or a letter of guarantee is provided by the bank.

(2) Users who guarantee by mortgage or pledge should sign a mortgage or pledge contract with the bank. If a house is used as a mortgage, it must be evaluated and confirmed by a designated appraisal agency. The bank, together with the mortgagor, will go to the district or county real estate registration office where the house is located to handle the mortgage registration. The contract will take effect after the warrant is obtained. If the guarantee is in the form of pledge, the contract will take effect after the pledge contract is handed over to the bank with the certificate of rights.

(3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in a timely manner.

(4) If the purchased second-hand car is used as a mortgage, the bank shall promptly issue a loan notice to the special dealer, and after the purchased second-hand car is registered, the bank shall go to the vehicle management office to handle the mortgage registration.

6. The bank issues a loan, and the user applies for vehicle insurance and picks up the car. The special dealer will hand over the customer's car purchase invoice, payment receipt and driving license (copy) to the bank within 15 days after receiving the loan notice.

Banks issue loans after customers complete property insurance procedures. Insurance types include: vehicle loss insurance, third party liability insurance, theft insurance and spontaneous combustion insurance, etc. The term of any type of insurance shall not be shorter than the term of the loan.