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.

Automobile mortgage refers to a loan obtained from a financial institution or an automobile consumption loan company with a borrower's or a third party's car or a self-purchased car as collateral. The business of automobile mortgage is divided into parking and non-parking, and the mortgage interest rate of parking in automobile mortgage is relatively low. You don't need to take a car for car mortgage, but you need to pay a storage fee in addition to interest.

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.

The loan funds can be used for business purposes such as purchasing raw materials and commodities, and also for consumer purposes such as car purchase, decoration, travel and wedding. Generally speaking, bank vehicle mortgage loans are not allowed to be used for buying houses, studying abroad and investing in financial securities products. Financial institutions such as p2p have relatively loose requirements for loan purposes.

2. How much can Beijing Brand automobile mortgage borrow?

Beijing brand automobile mortgage can't exceed 2 million. According to relevant information, the minimum loan amount in automobile mortgage is 50,000 yuan, and the maximum loan amount is 2 million yuan, and the maximum loan amount does not exceed 70% of the price of the purchased vehicle (excluding various surcharges and premiums) (some branches have special provisions).

Third, the detailed transfer process and cost of the mortgage car?

First, the vehicle auction will generally have an auction confirmation, and the procedures that need to be prepared when handling are as follows:

1, auction confirmation.

2. Vehicle driving license and registration certificate.

3. Buyer's ID card.

If the buyer is a company, provide a copy of the company's business license and official seal.

Second, the transfer of auction vehicles is only different from that of ordinary vehicles in terms of procedures, and the transfer process is basically the same. Vehicle transfer process:

Step 1: Copying procedures: one copy of the ID card of the buyer and the seller, one copy of the vehicle driving license and vehicle registration certificate, and the vehicle is present. Directly issue unified sales invoices for used cars according to procedures;

Step 2: the staff of the vehicle management office go through the formalities of vehicle inspection. Check whether the vehicle's driving license and vehicle registration certificate are consistent with the actual situation of the vehicle, and whether there are places to add or modify the vehicle.

Step 3: After passing the vehicle inspection, directly select a new number plate in the vehicle management office system.

Extended data:

Generally speaking, the auction starting price of used cars is based on the evaluation price.

For example, when Beijing auctions cars in June 5438+065438+ 10, the "set maximum price bidding mode" is adopted, with the evaluation price of the vehicle as the starting price, and the maximum price of the vehicle is set at 150% of the evaluation price of the vehicle.

The buyer is the highest bidder within the price limit. When multiple people offer the highest price, the judicial disposal network platform will automatically determine the final buyer according to the uniformly set conditions.

The unified condition is that the bidder who participates in the passenger car index regulation management information system with the most cumulative lottery times becomes the final buyer; If multiple bidders have the same cumulative number of lottery numbers, the bidder with the earliest registration time in the passenger car index control management information system is the final buyer.

Bidders need to apply for a code before bidding, and then publish it online, including the application code, the number of times, the registration time of the lottery, etc.

Many licensed passenger cars have certain traffic violations. After winning the bid for the Beijing brand minibus, the original owner shall bear the traffic violations (fines and points deduction) of the minibus. However, the buyer needs to pay the fine in advance and then deduct it from the vehicle transaction price through execution. In other words, many fines "owed" by passenger cars will be paid by auction, reducing the economic burden of bidders.