Second-hand car loan interest = loan amount * number of loan periods * loan interest rate. The loan amount shall not exceed 50% of the car’s appraised value. The loan period shall not exceed 3 years. The loan interest rate shall be floated in accordance with the central bank’s benchmark loan interest rate. , the central bank’s benchmark loan interest rate is:

1. For loans within one year (including one year), the interest rate is 4.35.

2. The loan is for one to five years (including five years), and the interest rate is 4.75.