Pacific Auto Network should pay attention to determine whether the borrower meets the requirements of second-hand car loans when purchasing second-hand cars with loans. Do not meet the requirements, can not be handled. Pay attention to determine whether the purchased vehicles meet the conditions of second-hand car loans, and vehicles that do not meet the conditions cannot apply.

The loan period, the longest loan period for new cars can reach 60, that is, 5 years. The maximum amount of second-hand car loans is 36 periods, that is, 3 years, and very few may reach 5 years. Loan interest rates, loan interest rates for new cars and used cars all fluctuate on the basis of the benchmark interest rate of the People's Bank of China. Only under the same circumstances, the loan interest rate of used cars is higher than that of new cars.

The formalities required for loan to buy a car need to meet the age of 18 and have full capacity for civil conduct. Personal loan application form, valid personal identity certificate, household registration certificate or permanent resident certificate, valid personal income certificate, car purchase intention certificate issued by the car dealership, loan car purchase down payment certificate, mortgage certificate and other documents are required.

When you buy a used car with a loan, you must find out whether the car is illegal or not, and whether it is within the validity period of the compulsory insurance. Because there is no illegal record for transfer within the validity period of compulsory insurance, lending institutions will basically not accept mortgaged used cars as mortgage loans. (Photo/Text/Photo: Pacific Auto Network Chen Min 2)

2. What are the precautions, procedures and expenses for buying a used car?

To buy a used car, you must transfer ownership and get a license. Different local policies will lead to certain price fluctuations in the transfer fee. Take Chengdu as an example, the blue brand model is 390 yuan. Precautions for buying used cars: ensure the legality of vehicle procedures; Check the engine, body, chassis, etc.

The transaction procedures for purchasing used cars mainly include:

Vehicle inspection, license plate extension, license plate removal, photographing → illegal inquiry and handling → payment of transfer fee, receipt of transfer ticket → transfer registration, recycling of old license plate → receipt and license registration fee → selection of new license plate → receipt of driving license and registration certificate.

Transaction costs of buying used cars:

To buy a used car, you need to transfer ownership and get a license, and there is inevitably a transfer fees in the middle. Generally, transfer fees is calculated according to the model, displacement and age of the car, and different policies in different places will produce certain price fluctuations. Taking Chengdu as an example, the transaction tax of all blue brand vehicles is unified as 280 yuan, the license plate 100 yuan, and the production cost 10 yuan, totaling 390 yuan.

Precautions for buying used cars:

1, ensure the legality of vehicle procedures, vehicle inspection procedures, registration certificate and driving license, and then compare the frame number and engine number.

2. Kilometers are not the basis for consideration, but the most important thing is the technical performance of the vehicle and the technical condition of the whole vehicle.

3. Engine inspection: start the engine to see if there is any abnormal sound, slam the accelerator to the end, and then release it to see if there is any shaking. If the engine can reach high speed (or decelerate to idle speed) smoothly in an instant, there is no abnormal sound, which proves that the engine is in good condition.

4. Inspection of the car body: Check the most hidden place on the car to see if the paint here is consistent with the external paint. If it is inconsistent, it proves that the car has been overhauled or a major accident has occurred, and it has been overhauled or replaced.

5. Observe whether there are any collision marks on the chassis, especially whether there are any deformation and repair marks on the horizontal tie rod, knuckle and girder (with girder).

6. Check the shock absorption system of the vehicle: the car can push the front of the car to the limit to evacuate external forces, and it is good that the front of the car can bounce three or four times.

Third, do I have to go to other provinces to get the Green Paper after the loan for buying used cars by stages in other provinces has been paid off?

If you are in other provinces, buy used cars by stages. If the loan has been repaid, of course, you have to go to other provinces to get the car back.

About paying off the car loan.

Although the car loan has been paid off, this car, at present:

1. Contact the loan bank vehicle registration certificate) and the loan settlement certificate;

2. Go to the vehicle management office to cancel the loan mortgage (it must be cancelled at the vehicle registration place, no

Go to the insurance company and change the beneficiary's name to yourself, because during the loan period, the beneficiary's name is the name of the insurance company.

What do I need to bring to release the mortgage?

1. Vehicle ownership

2. Motor vehicle registration certificate;

3. The loan company (or bank) starts business;

4. Original business license of the loan company (or bank);

5. The loan company (or bank) does not send personnel to help the loan company (or bank) issue a power of attorney to the owner.

At the stage of buying a car, after paying off the loan, hehe, you can only rely on yourself! The process is relatively simple.

After paying off the loan, you must do the above, otherwise the car will not belong to you even if you buy it, so as not to be numb in the future.

After everyone pays off the car loan, all they need to do is go through the formalities of canceling the mortgage. The main process is:

1. Go to the loan bank to retrieve the organization code certificate (official seal) provided by the vehicle bank and the power of attorney to entrust the owner to handle the mortgage cancellation business.

2. Bring the above materials, as well as my ID card, loan repayment instructions, driving license, driving license purchase invoice, vehicle annual inspection certificate, insurance certificate, etc. , and go to the local vehicle management office to handle the car release procedures.

Matters needing attention

1. If your auto insurance beneficiary has gone through the mortgage cancellation procedures, you need to change the beneficiary in the corresponding insurance company.

2. If the car you bought was installed with GPS by the lending institution before, you must remember to remove the GPS.

3, at present, the mortgage cancellation procedures need to be handled by the owner himself, which

Everyone is preparing materials.

Fourth, the process and precautions of buying a car with a second-hand car loan?

1. Car buyers go to the bank's business outlets for consultation, and the outlets recommend special dealers who have signed the Cooperation Agreement on Used Car Consumption Loan with the bank.

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2. Go to the dealer to select the second-hand car to be purchased, and sign a car purchase agreement with the dealer to clarify the model, quantity and color.

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3. Apply for a loan at a bank outlet. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender.

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4. The bank shall review the user's credit, notify the car buyer within fifteen working days after accepting the loan application, and sign a loan contract for second-hand car consumption with the borrower who meets the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different banks, taking Beijing as an example, must make a down payment of 50% for second-hand car loans, and the longest loan period is three years).

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5. Sign loan and guarantee contracts. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee methods and corresponding procedures:

(1) If the user provides a third party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company can also provide a joint and several liability performance guarantee or the bank can provide a letter of guarantee.

(2) The user should sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal agency, and the bank and mortgagor shall go through the mortgage registration at the county real estate registration office where the house is located, and the contract will take effect after obtaining the property right certificate. If it is a pledge guarantee, the pledge contract will take effect after the title certificate is handed over to the bank.

(3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time.

(4) If the purchased second-hand car is used as collateral, the bank shall issue a loan notice to the special dealer in time. After the purchased second-hand car is licensed, the bank shall go to the vehicle management office for mortgage registration.

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6. The bank issues loans, and the user handles vehicle insurance and picks up the car. After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank. After the customer goes through the formalities of property insurance, the bank issues loans. The types of insurance include: vehicle loss insurance, third party liability insurance, burglary insurance and spontaneous combustion insurance. All kinds of insurance period shall not be shorter than the loan period.