Generally speaking, the auto loan interest rate is slightly higher than the bank benchmark interest rate. For example, at present, the auto loan interest rate of ordinary banks generally rises by 10% according to the bank benchmark interest rate. Before the interest rate adjustment, the central bank's benchmark annual interest rate was 65438+5.3 1% for 0 years and 5.40% for 2-3 years. Auto loan interest rate 1 year, 5.84 1%, 2-3 years, 5.94%. After interest rate adjustment, the benchmark annual interest rate of the central bank is 65438+5.56% for 0 years and 5.60% for 2-3 years. The car loan interest rate is 65438+6. 1 16% for 0 years and 6. 16% for 2-3 years.
Banks generally have requirements for the age, mileage and vehicle valuation of loan vehicles. The threshold of financial institutions such as P2P is low, but financial institutions will require vehicles to be registered in the name of lenders, with licenses and no guarantees.
Extended data
First, the automobile mortgage conditions
Basic conditions that the borrower must meet:
1. China citizens who have reached the age of 18, have full capacity for civil conduct and have a permanent residence in China.
2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.
3. Guarantee can be provided.
4. Other conditions stipulated by the bank.
Second, the information needed by automobile mortgage
Requirements and materials for applying for automobile mortgage service of Rongdao. com:
1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle;
2. Enterprises that have been living and working in this city for a long time;
3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice;
4. Insurance policy, travel tax and relevant tax payment certificates for imported vehicles;
5, ID card (non-local account customers provide temporary residence permits or residence permits within the validity period.