1, cost performance

Cost-effective ratio of mortgage car

The cost performance is super high, and the most obvious and biggest thing about mortgage cars is the price. The ultra-low price of mortgage car makes many people fondle it. The price of a general mortgage car is only about 50-60% of that of a new car. Moreover, cars are luxury goods with a high depreciation rate. The longer the time, the lower the value. Some luxury cars have depreciated by hundreds of thousands or even millions in a year or two. Now they can buy the same car with depreciated money, so many smart people and people who know the law will choose.

Cost performance ratio of used cars

The price of used cars is much cheaper than that of new cars. The depreciation rate of new cars is amazing, especially in the first five or six years. For a car with a car price of about 300,000, the depreciation rate in the first six years is about 30%-50% of the car price, that is,10-150,000. In other words, if you are going to buy a new car with a price of10.5 million, then if you buy a used car, you can buy a good car that is 56 years old and costs about 300 thousand.

2. Car condition

The condition of the mortgaged car

Many people doubt the condition of the mortgage car. Why is it so cheap? I wonder if it's an accident car, a flooded car or something. In fact, there is no doubt about the condition of the mortgage car. A mortgage car is used to mortgage a loan. After passing the first level, financial companies can't accept cars with accidents or bad car conditions. They released real money. If the owner stalls and the car can't be sold, it will be a big loss! Moreover, to get a cost-effective car, the condition of the car is as important as the formalities, and the car with a problem in the condition will be rejected.

The condition of used cars

1-3-year-old used cars are still safe, and some of them have not passed the warranty period. Used cars that have been used for more than 5 years or100000 kilometers are definitely not that good. Bian Xiao suggested: buy a used car or find some brand brokerage service companies. Because they have a perfect system, they can put an end to some traps and traps in used car trading and ensure the safety of trading. Secondly, they are professional organizations, which can save a lot of worries. Brand is the most important thing for brokerage companies. Brand is the guarantee of fair and just transaction price, and it is also the most reassuring key in used car trading.

3. Maintenance costs

Maintenance cost of mortgaged car

Mortgage cars are usually 1-3 years, and some of them have not passed the running-in period, and they are basically maintained normally, not to mention the maintenance cost.

Maintenance cost of used cars

It is more important to maintain used cars well. As long as it is well maintained, the natural maintenance cost is much less than that of ordinary cars. The author once bought a Toyota overbearing trainer for 20 years and drove it for two years. Except for normal maintenance, it has never been repaired. But if the car is older, its maintenance cost will naturally increase.

4. Procedures

The procedure for mortgaging a car is simple.

The procedure of mortgage car is bound by the procedure from the moment it enters the car. As long as the procedures are true, perfect and relatively simple, but each link must not be out of touch, otherwise it will be more troublesome. However, the procedure of selling cars is much simpler. As long as all the information is submitted and a creditor's rights transfer agreement and exemption agreement are made, it will basically be completed in 15 minutes.

Procedures for used cars

The procedures for used cars are not troublesome, but there are too many procedures. Under normal circumstances, you can't handle a car in a week.

Second, the disadvantages of mortgage cars and used cars.

1, transfer problem

The mortgage car can't cross the house.

The biggest disadvantage of the mortgage car is the transfer of ownership, which is why many people are afraid to buy it although the price of the mortgage car is low. And it must be paid in one lump sum, and it cannot be mortgaged.

Used cars can be transferred.

Used cars can be transferred or mortgaged.

2. Industry chaos

There are many ways to mortgage a car.

There are some phenomena in the mortgage car, such as untrue creditor's rights, renting a car for mortgage, stealing a car, robbing a car, and putting on a deck of cards. If you are not careful, you will lose your car and money. If the car is stolen or robbed, it is difficult to call the police and find it back, which is also a disadvantage.

Chaos in the used car industry

The used car industry, which has developed for many years, is now a mixed market, and the trading rules are still a "final decision" way of buying and selling. Consumers generally have a fear of the used car market, mainly due to information asymmetry and the lack of national mandatory standards.

3. The entry standard is low.

The access standard for mortgaged vehicles is low.

The entry standard of mortgage car is very low, and it is accompanied by many risks. Vehicles are movable property, the price is relatively high, and they can be financed in the market. However, some vehicles can only be carried out through the transfer of creditor's rights because their registration certificates are in banks or other financial companies or individuals. As long as the procedures are perfect, you can buy and sell (debt) in the market.

Market access standards for used cars

Anyone can sell his car as long as he doesn't like it, so if the car is hit and flooded, most of it will flow to the second-hand market after it is repaired. But you can't get into a regular second-hand car sale. Because these regular brand second-hand car dealers still have the cost of testing, maintenance and certification, the car has not been sold yet, and the cost will be a sum. Second-hand cars are all over the street now, but there is a lack of norms, and the standards for entering the market are low, and there is no standard at all.

Hope to adopt! !