Generally speaking, the appraisal price of a car is determined by the appraisal institution, and the mortgage rate of a car is determined by the borrower's credit status and repayment ability. Usually the car mortgage rate is around 60%. For example, a 300,000 new car mortgage loan is generally evaluated as 200,000 because of the rapid depreciation of the car. According to the mortgage rate of 60%, you can borrow 6.5438+0.2 million yuan.

Moreover, how much money a car mortgage can borrow is also related to the nature of the car, as follows:

1. If the loaned car is a commercial car, the maximum loan amount shall not exceed 70% of the total value of the car;

2. If the car loan is a private car, the maximum loan amount shall not exceed 80% of the total value of the car;

3. If it is a second-hand car, the loan amount is determined by the evaluation value.

How much can I borrow for a car loan?

1. If you choose a car mortgage loan to buy a car, then this loan method is the same as buying a house. First of all, you have to pay a certain down payment ratio, and you can apply for a loan for the balance. Generally speaking, the minimum down payment for car loans is 30%. In other words, if you buy a car through this loan, the loan amount is generally around 70%. Take a 6.5438+million car as an example, with a down payment of 30,000.

2. The general way to buy a car by mortgage is to have a property under your name and then mortgage to buy a car. The loan amount is generally determined according to the assessment of collateral, which can generally reach about 70% of the assessed price. For example, a house with a price of 6.5438+0 million has an estimated price of 900,000 and a loanable amount of 630,000.