Can I get a loan to buy a second-hand car? How many years can it last for? What procedures are required?

You can also get a loan to buy a second-hand car. The appraised value of the vehicle is between 80,000 and 800,000. There are requirements for buying a second-hand car loan. The maximum term of a second-hand car loan is three years, the vehicle must be no more than seven years old, and the borrower's down payment must be more than RMB 50.

Materials and procedures: ID card of the person purchasing the car, household register, housing certificate, income certificate (monthly income must be twice the monthly repayment), two recent one-inch photos, if the car buyer is married, Marriage certificate and spouse certificate are required. You can apply directly at the bank.

Extended information:

Five key points for transfer:

1. The production certificate must be legal. The steel stamp number, engine number, and registration date on the production certificate are all Points that require special attention. In addition to verification, you should also pay attention to whether there are any traces of alteration. The presence of traces of alteration can basically be equated with a transaction trap.

2. For vehicle purchase tax, be sure to check the tax bill of the original vehicle. Some vehicles have not paid purchase tax before. After the transfer, these untaxed or tax-exempt vehicles will be required to pay the purchase tax. , this is a huge expenditure, so the question of who will make up the payment must be determined.

3. Road Maintenance Fees There are basically no loopholes in the road maintenance fees. As long as you pay attention to the payment voucher, which clearly records the period of the road maintenance fees, you can avoid this. (Now the road maintenance fee has been cancelled)

4. The insurance transfer procedures should be completed in time to avoid unnecessary trouble when making a claim.

5. The vehicle itself is mortgaged and the vehicle under supervision is prohibited from trading. Vehicle information can be checked through the Vehicle Management Office.

Reference link: Baidu Encyclopedia--Second-hand cars

How much is the mortgage loan for an 800,000 car?

500,000. A car worth 800,000 yuan can be mortgaged with a loan of 500,000 yuan. Because the car being loaned is a commercial car, the maximum loan amount shall not exceed 70% of the total value of the car. If the car being loaned is a personal car, the maximum loan amount shall not be more than the total value of the car. Eighty percent of the value.

Can I get a mortgage loan for a car with a full payment of 800,000 yuan in 8 years?

Can I get a mortgage loan for a car with a full payment of 800,000 yuan in 8 years?

You can apply for a car mortgage loan for vehicles that are 8 years old, but as long as the value of your car is greater than 30,000, you can generally apply for a car mortgage loan

A car down payment of 800,000 and How much is the monthly payment?

To buy a house worth 800,000 yuan, the down payment is 300,000 yuan for the first house, which is 240,000 yuan. 60 for the second house is 480,000. The monthly payment is calculated based on the loan term. The base rate is now 4.9. Under the purchase restriction policy, there will be an increase ranging from 5 to 20.

Generally speaking, interest accounts for 1/3 of the loan amount. For example, for a loan of 300,000 yuan for 20 years, the final interest will be 100,000 yuan, and the monthly payment is basically around 1,700 yuan, depending on the bank. This is just my personal experience and not authoritative.

Housing structures are mainly divided into the following categories:

1. Wooden structure (residential): refers to the walls and columns of the vertical load-bearing structure of the building made of bricks or blocks. , Floor slabs, roof trusses, etc. are made of wood.

2. Brick-concrete structure (residential): The walls and columns of the vertical load-bearing structure in the building are made of bricks or blocks, and the columns, beams, floor slabs, roof panels, etc. are made of reinforced concrete structures. In layman's terms, a brick-concrete structure uses a small part of reinforced concrete and a large part of the brick wall to bear the load.

3. Reinforced concrete (residential): refers to the main load-bearing structures in the building such as walls, columns, beams, floors, buildings, roof panels, etc. made of reinforced concrete. Non-load-bearing walls are made of bricks or other Material filling. This structure has good seismic resistance, strong integrity, fire resistance, durability and corrosion resistance.

4. Steel structure (residential): refers to the main load-bearing structure of the building made of steel. Suitable for super high-rise buildings. The lightest weight.