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What are the charges for second-hand car loans?
The advantages of economy, low discount rate, no scratch and good matching of accessories make it a wise choice for used cars. You can choose from second-hand car market, network, station, brokerage company, 4S shop and other channels.

I. Transfer procedures

1. Person-to-person: the original ID cards of the buyer and the seller; Driving license and motor vehicle registration certificate.

2. Person-to-unit: the organization code certificate of the buyer's unit (original/within the validity period of annual inspection), the official seal of the seller and the original ID card; Driving license and motor vehicle registration certificate.

3. Unit-to-unit: organization code certificate of the buyer and seller (original/within the validity period of annual inspection), official seal and ID card of the seller's unit manager; Driving license and motor vehicle registration certificate.

4. Unit-to-individual: the buyer's personal ID card, the organization code certificate of the seller's unit (original/within the validity period of annual inspection), the official seal of the seller's unit manager and the ID card; Driving license and motor vehicle registration certificate.

5. If the buyer is a foreign individual, the vehicle needs to be settled and a temporary residence permit is required; If the buyer is a foreign unit, the vehicle needs to be settled in Jinan, and it can be left under the personal ID card or temporary residence permit; The owner of the vehicle is a temporary residence permit, and the original temporary residence permit (expired replacement) shall be provided when handling the transfer filing; Vehicle driving license and motor vehicle registration certificate; Purchase tax book.

Second, the transfer fee

1, transaction tax: private households (1%, Gong Hu 3%, private transfer is not subject to transaction tax.

2. Delay fee: 10 yuan.

3. Application fee. Some places are high and some places are low.

4. Transfer fee: it should be charged according to the displacement and year, and different charging standards should be adopted according to the types of cars, off-road vehicles, buses and trucks, such as different displacement ranges and load ranges.

Third, pay attention to buying a car.

1, inquire about the market price of new cars. Before buying a second-hand car, you should first know what brand and model this second-hand car is, and then inquire about the latest market price of this second-hand car (here refers to the actual sales price of the new car, not the market guidance price of the new car). If you don't have a new car of the same model as the used car you want to buy, you can take this closest new car of the same brand as a reference.

2. The depreciation rate is preliminarily estimated, and the age of the car is calculated based on the time when the new car is licensed. The factory time of a new car is not necessarily the time of licensing.

3. Adjust the actual depreciation rate. Although we have some common rules to follow, there are still some situations that can increase or decrease the depreciation rate of vehicles, such as the appearance, mileage and ownership of vehicles. , will affect the depreciation rate of vehicles.

4. Correct the deviation value of the car price, and calculate the approximate residual value of the used car with the market price of the new car X as the depreciation rate.

Fourth, the evaluation method.

(1) Basic calculation formula:

1. The appraised value of the appraised vehicle = replacement cost-substantial depreciation-functional depreciation-economic depreciation.

2. The evaluation value of the evaluated vehicle = replacement cost × newness rate.

(2) Based on the service life method, the comprehensive analysis method comprehensively considers the influence of the actual technical condition, maintenance, original vehicle manufacturing quality, working conditions, working nature and other factors on the value of used cars, and adjusts the coefficient to the newness rate.

(3) Mileage method

The specified mileage of vehicles refers to the mileage specified in the "Automobile Scrapping Standard". (The old standard stipulated 450,000 kilometers. This method is similar to the service life method. When calculating the new rate according to the mileage method, it is necessary to judge whether the odometer record is consistent with the actual physical loss of the old motor vehicle according to the car condition of the old motor vehicle itself, so as to prevent the error caused by artificially changing the odometer. Because the odometer is easy to be changed artificially, this method is rarely used in practical application.

(4) Component appraisal method: a method of weighting and scoring the importance and value of the whole vehicle according to its components, and finally determining the new rate. The basic steps are: divide the vehicle into several main parts, and determine the weight according to the proportion of the construction cost of each part to the vehicle construction cost. Based on the functions of all parts of a brand-new vehicle, if the functions of a part are the same as those of the corresponding parts of a brand-new vehicle, the novelty rate of the part is100%; If the function of a part is completely lost, the innovation rate of the part is 0. According to the technical conditions of several parts, the innovation rate of each part is given, and the new weight sharing rate of a part is obtained by multiplying the weight of each part respectively.

(V) Vehicle observation method: Vehicle observation method is a method for appraisers to identify and classify the technical conditions of the evaluated vehicles through on-site observation and technical inspection, so as to determine the new rate. The current technical state of the vehicle; The service time and mileage of the vehicle; Main fault experiences and maintenance of vehicles; The appearance and integrity of the vehicle, etc.