According to your description, you own a vehicle worth 6.5438+0.9 million yuan and want to use it as a mortgage. However, how much you can borrow depends on many factors, including the policy of the lending institution, your credit history and the specific value evaluation of the vehicle.

Lending institutions usually provide loan lines according to a certain proportion of vehicle valuation. Under normal circumstances, the amount of vehicle mortgage loan can reach 60% to 80% of the vehicle valuation. Therefore, according to the vehicle appraisal value of 6.5438+0.9 million yuan, you may get a loan amount of about 6.5438+0.65438+0.4 million yuan to 6.5438+0.52 million yuan.

However, different lending institutions may have different loan quotas for high-value vehicles. Therefore, before you actually apply for a loan, you are advised to consult a number of banks or financial institutions to understand their specific policies and requirements.

Besides, I noticed that you mentioned the problem of credit status. If your credit is not good, it is recommended to check your credit status through the "Xiaoqi Credit Check" first. If your credit risk score is high, it may affect your loan application rate. In this case, it is suggested that you wait for the credit risk score to decrease and solve the credit stain before trying to apply for a loan, so the chances of passing will be higher.

I hope the above information is helpful to you.