The down payment ratio of second-hand car loans of financial institutions engaged in personal car loan business can be determined independently on the basis of the minimum requirement of 30% in accordance with the principles of voluntariness, prudence and risk control. This means that on the basis of the down payment of 30% for second-hand car loans, it can be reduced and moderately reduced.
A few days ago, the provincial government issued the "Implementation Opinions on Promoting the Convenience of Second-hand Car Trading" (hereinafter referred to as the "Implementation Opinions"), which will establish and improve the * * * sharing system of second-hand car circulation information and provide basic supporting information for facilitating second-hand car trading. Regularly transmit information on the legal filing, operation and departmental supervision of used car market operators and used car business entities. Do a good job of online and offline organic integration.
■ Transaction registration
Used cars traded in different places can be registered at the trading place.
The "Implementation Opinions" stipulates that all localities shall not formulate and implement policies to restrict the circulation of used cars. Small and micro non-operating buses registered according to law can be distributed, traded, auctioned, brokered or transferred to their respective administrative areas. You can choose to go through the transaction procedures in different places at the place where the vehicle is transferred in or out.
Used cars that meet the national emission standards and safety standards and are within the validity period of regular environmental inspection and annual inspection move in.
Set up a service window or site for qualified second-hand car trading market to provide one-stop service.
For used cars traded in different places, the current motor vehicle owner can apply for transfer registration to the public security traffic management department of the transaction place with the unified invoice for used car sales and related materials, and the vehicle file can be transferred to the public security traffic management department of the transfer place without driving the vehicle back to the registration place.
■ Information inquiry
Establish a second-hand car information network and credit records.
Establish a second-hand car information networking verification mechanism, and establish and improve a management information sharing platform covering the whole life cycle of automobile production, sales, registration, inspection, maintenance, insurance and scrapping. Open the non-confidential and non-private management information of the used car industry to the public for easy inquiry and use.
Second-hand car market operators and second-hand car business entities should carefully examine the identity certificates of the parties or agents involved in motor vehicle transactions, accurately collect information such as the ID number, mobile phone number and address of the original motor vehicle owner and the current motor vehicle owner, and timely enter them into the national unified information management system.
In the future, used cars can be traced back to the source, can be inquired about the whereabouts, and can supervise services. It is strictly forbidden to carry out illegal and criminal activities through used cars.
In addition, collect credit information of market entities such as second-hand car market operators, second-hand car business entities and automobile maintenance service entities, establish and improve credit records, timely incorporate them into the provincial credit data exchange platform, and make them public on the credit Liaoning website.
Investigating and dealing with illegal acts that infringe on consumers' rights and interests, such as false propaganda, forced buying and selling, disturbing public order, and reselling invoices, will be included in the publicity scope of credit records.
■ loan model
Online application, approval and lending of used car loans
The "Implementation Opinions" require the implementation of the tax policy for used car transactions in combination with the pilot reform of the camp to prevent tax loss.
Second-hand car trading credit will lower the credit threshold and simplify the credit procedures. Encourage banking financial institutions to actively explore the use of the Internet and other technical means to carry out remote customer authorization, and realize online application, approval and lending of consumer loans under the premise of controllable risks and compliance with regulatory requirements.
With the approval of the China Banking Regulatory Commission, the down payment ratio of second-hand car loans of financial institutions engaged in personal car loans can be decided by themselves on the basis of the minimum requirement of 30% in accordance with the principles of voluntariness, prudence and risk control.
Insurance regulatory authorities should encourage insurance institutions to explore and develop insurance products that meet the characteristics of second-hand car trading, such as motor vehicle extended warranty liability insurance, and continuously improve the insurance service level of second-hand car trading.
Guide the online and offline development of second-hand car circulation entities, adopt the "Internet" model, develop an e-commerce platform for second-hand car trading that integrates inquiry, trading, logistics, auction, finance and other service functions, and encourage second-hand car related market entities to settle in the platform.
In addition, new car sales enterprises carry out second-hand car distribution business and actively develop second-hand car replacement business.
2. What is the down payment ratio of used car loans?
Generally, more than 30% of the car is enough. We specialize in installment payment of used car loans and mortgage loans.
The program is simple, convenient and fast. The telephone number is 15633 189678.
Hengshui Hua Shuang used car sale
3. What is the down payment ratio of used car loans?
Shijiazhuang used car loan gouchetou
What are the requirements for the down payment of used car within 43 thousand?
Zero down payment and low down payment are determined according to the conditions of the main lender and must meet the loan conditions of banks or financial institutions. Credit reports can be made through the banking system. 2. You can use the bank big data system. 3. Have a stable source of income. The car you buy can match your professional age. Just as simple as zero down payment and micro down payment, see if the lender can meet these conditions.