Generally speaking, the appraisal price of a car is determined by the appraisal institution, and the mortgage rate of a car is determined by the borrower's credit status and repayment ability. Usually the car mortgage rate is around 60%. For example, a 300,000 new car mortgage loan is generally evaluated as 200,000 because of the rapid depreciation of the car. According to the mortgage rate of 60%, you can borrow 6.5438+0.2 million yuan. How much you can borrow from a car mortgage is also related to the nature of the car, as follows:

1. If the car to be loaned is a commercial car, the higher loan amount shall not exceed 70% of the total value of the car.

2. Car loan is a private car, so the loan amount is usually higher than 80% of the total value of the car.

3. If it is a second-hand car, the loan amount is determined by the evaluation value. In addition, if effective rights are used as collateral or banks or insurance companies provide joint and several liability guarantees, the higher loan amount shall not exceed 90% of the face value of the pledged property; Where the purchased vehicle or other property recognized by the lender is used as collateral to apply for a loan, the maximum loan amount shall not exceed 70% of the value of the collateral; If a third party other than a bank or an insurance company applies for a loan, the higher loan amount shall not exceed 60% of the car purchase cost.

Do you understand the loan amount that everyone cares about in car mortgage? I hope the above analysis is helpful to everyone and can be used as a reference for friends in need in the future.