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 consumption, and the purchased cars are used as loan collateral. At present, the development potential of second-hand cars in China is very great. Many people need second-hand cars because of their limited economic ability or just for car training or transitional use. Used cars with mileage less than 65,438+20,000 kilometers and car age less than 5 years can apply for loans.

The materials needed to apply for a loan include: the identity card of the car buyer, household registration book, housing certificate, income certificate (the monthly income must be twice the monthly repayment), two one-inch recent photos, and the marriage certificate and spouse certificate of the car buyer (if married).

Qualification requirements for second-hand car loans:

1, Chinese mainland residents or Hong Kong, Macao and Taiwan residents and foreigners (non-active servicemen) who have lived in China for 1 year or more.

2. Age 18 -60.

3. Have a normal and fixed residence.

4. Have a legal and stable job and income.

5. Good credit record

6. No criminal record