Used car loan process: 1. Consumers who buy second-hand cars go to the bank to consult the second-hand car sales agencies that sell cars, and recommend special dealers who sign cooperation agreements with banks for second-hand car consumption loans; 2. Sign a car purchase agreement, choose the used car to be purchased at the car sales office, sign a car purchase agreement with the dealer, and clarify the model, quantity, color, etc. ; 3. Apply for a loan. The necessary materials for applying for a loan include: personal loan application, valid identity documents, occupation and income certificates, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender; 4. After the bank accepts the loan application, it will notify the car buyer and sign a second-hand car consumption loan contract with the borrower who meets the loan conditions; 5. Signing a contract If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. In the process of handling second-hand car loans, customers should bring all the information. Including a copy of the vehicle registration certificate, a copy of the vehicle driving license, a copy of the original owner's ID card and contact information, a copy of the car purchase contract (stamped with the official seal), a power of attorney for a used car, and a photo of the vehicle.

Used car loan?

Can I get a loan to buy a used car?

? Yes, you can. First of all, let's look at the loan conditions for buying used cars: ① The age of the mortgaged vehicle must be less than 5 years, and the shortest mortgage period is 6 months. ② The mortgagor has no bad credit record. (3) Before the vehicle is transferred, the commercial insurance of the mortgaged vehicle can be surrendered, and only compulsory insurance is reserved.

Used car loan process:

First, you need to provide the following information to get a loan:

① The down payment of the mortgaged vehicle must provide more than 30% of the car payment, and more than 50% can be provided without the property certificate.

② ID card, household registration book, driver's license, bank account, income certificate, real estate and marriage certificate (optional).

(3) For foreign mortgagor, temporary residence permit is required.

Second, the specific loan process

1. After reviewing the mortgagor's information, the bank should check whether the vehicle has any violation records, whether it is still in the state of mortgage, pledge and custody, and handle the transfer and filing procedures after confirmation.

2. After the transfer of the mortgaged vehicle, the national unified invoice (original copy), vehicle registration certificate, compulsory insurance receipt (original) and driving license of the used car shall be retained.

What are the basic conditions for second-hand car loans?

Have a proper job and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records; Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; Sign a car purchase agreement or contract with a special dealer, or other valid car purchase vouchers; Open a personal settlement account and agree with our company for reference.

What are the basic conditions for second-hand car loans?

Have a proper job and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records; Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; Sign a car purchase agreement or contract with a special dealer, or other valid car purchase vouchers; Open a personal settlement account and agree that our company will issue loans to its designated account, and the bank will deduct the loan principal and interest from its designated personal settlement account.

Banks have requirements on the price and age of used cars, and the procedures are complicated. Banks applying for loans also have their advantages. The interest rate of bank loans is lower than that of ordinary financial institutions, which is its greatest advantage. The speed and quality of general financial institutions handling loans for customers will certainly be many times higher than that of banks. The advantage is that applicants can apply for second-hand car loans without waiting too long, and the amount they can generally apply for will be satisfactory.

Now many formal third-party platforms have launched car loan business, and Car 300 has also launched car loan service. The emergence of these third-party platforms not only ensures the quality of used cars, but also provides a lot of convenience for consumer loans.

Second-hand car loans not only have certain requirements for borrowers, but also for vehicles, mainly including the following aspects:

1. The appraised value of used cars is between 800,000 yuan and 800,000 yuan.

2. The service life of the vehicle must be less than seven years.

3. The down payment of the borrower shall not be less than 50% of the appraised price.

4. The loan period shall not exceed three years.

5. The guarantee must be provided by the guarantee company.

6. Go to the insurance company designated by the lending institution to buy insurance.

What should I pay attention to in second-hand car loans?

Speaking of car loans, new cars are different from used cars. New car loans are relatively easy, and second-hand car loans are more difficult. And there are not many institutions that can handle second-hand car loans. So, if you want to apply for a second-hand car loan, you have to be prepared. So, what should we pay attention to when handling second-hand car loans?

Precautions for second-hand car loans:

First, determine whether you are eligible to apply for a second-hand car loan.

For borrowers, first of all, it is necessary to determine whether they meet the conditions for second-hand car loans. The conditions include: the borrower's age is ≥ 18 years old, (the borrower's age loan period) is ≤70 years old, and he must have full capacity for civil conduct; Personal legal assets with stable legal income or sufficient repayment of loan principal and interest.

Secondly, determine whether the vehicle meets the conditions for second-hand car loans.

The second-hand car loan amount is between 4 million and 5 million, with a minimum of 40,000 yuan; Not more than 50% of the estimated value; The longest loan period is 3 years. The borrower can choose repayment methods, including equal principal and interest or equal principal repayment methods. Finally, the service life of the vehicle applying for second-hand car loan shall not exceed 5 years (subject to the date of first registration), the mileage shall not exceed 80,000 kilometers, and the vehicle evaluation value shall be above 80,000. What are the basic conditions for second-hand car loans? What should I pay attention to in second-hand car loans @20 19

What are the requirements for applying for a loan to buy a used car?

Second-hand car loan, that is, second-hand car mortgage loan, refers to the loan issued by commercial banks to individual borrowers to buy second-hand cars for consumers' own use, and the purchased cars are mortgaged as loan collateral. Although car loans have a long history in people's lives, most of them are new car business, and rarely involve second-hand car loans. With the deepening of people's values on used cars, some consumers began to choose loans to buy used cars.

Used car loan application requirements

At present, the second-hand car loan business run by banks has higher requirements for borrowers. Generally, borrowers are required to have a legal occupation, stable income, the ability to repay on time and good personal credit. If you can prove that you own a local property, the borrower's loan application will be more secure. Take Beijing as an example. Applicants must have Beijing hukou, ID card and permanent residence. Need citizens aged 20 to 60; Must have a stable job and a stable income.

The materials to be prepared for applying for a loan include: the identity card of the purchaser; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment amount; Two recent one-inch photos. If the buyer is married, marriage certificate and spouse certificate are required.

What are the conditions for a second-hand car loan?

You only need to fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of your personal situation.

In terms of loan amount, according to the "Measures for the Administration of Automobile Loans" issued by the two departments in 2004, the amount of self-use automobile loans issued by lenders shall not exceed 80% of the price of automobiles purchased by borrowers; Commercial vehicle loan amount shall not exceed 70% of the price of the car purchased by the borrower; The second-hand car loan amount shall not exceed 50% of the price of the car purchased by the borrower.

Extended data:

The People's Bank of China and the China Banking Regulatory Commission stipulate that the maximum loan ratio for self-use traditional power vehicles is 80%, and the maximum loan ratio for commercial traditional power vehicles is 70%. The maximum loan ratio for self-use new energy vehicles is 85%, and the maximum loan ratio for commercial new energy vehicles is 75%; The proportion of second-hand car loans is up to 70%.

Although the state has made many regulations, there are still some second-hand car loans that do not meet the basic laws and regulations. A fact that can't be ignored is that used cars are a kind of highly mobile consumer goods. Various illegal car loan operations will lead to huge car loan risks in the later stage. The industry should be vigilant not to affect the normal development of the used car market because of the emergence of illegal car loans.