Service life of new car mortgage loan: 1. Under normal circumstances, the service life of automobile mortgage is relatively short. Due to the rapid depreciation of cars and the high probability of traffic accidents, car mortgages are generally short-term financing; 2. Different from the real estate mortgage loan in automobile mortgage, the real estate mortgage loan can generally handle 1-20 years, while the automobile can only handle 1-3 years because of its rapid depreciation and high risk, and even many loan companies can only handle 1-2 years of automobile mortgage; 3. Moreover, there is a certain relationship between the number of years of car mortgage and the age of the car. If the car is older, not only will the amount of car mortgage you can apply for be lower, but also the period of car mortgage you can apply for will be shorter.

Second, can I use a new car as a mortgage?

Yes, the Postal Savings Bank has a one-year short-term loan, which can be mortgaged by car, but you have to find a guarantor or a co-guarantor (farmers can borrow up to 50,000 yuan for a single loan, and merchants can borrow up to 65.438+10,000 yuan for a single loan, which needs to be repaid every month), and your loan amount cannot exceed the value of your car.

How much can a 36,000 new car be mortgaged?

There are not many mortgages. When the new car comes out, it can sell second-hand 90% at most, mortgage loan, and then 70%, which is great!