"At present, we have cooperated with a number of banks to launch the second-hand car loan business, just to provide more services to car owners." Li Pengyu told reporters that the bank comprehensively evaluates the second-hand car loan from two aspects: one is the owner's credit rating, and the loan amount is determined by the owner's daily account in the bank, as well as the credit card consumption and the evaluation of the bank by people around the loan owner. In addition, it is the evaluation information of the vehicle, and it is necessary to know the second-hand car residual value rate of the vehicle.

On March 24th, many banks in Zhongshan used car market started car loan business. The reporter learned that the maximum loan for used cars is 70%, and the longest loan period is three years. The person in charge of the credit department of Zhongshan Branch of a bank told the reporter that the loan policy given by the bank is quite favorable, with three-year mortgage, no guarantee fee, no real estate mortgage, no local account and preferential interest. After the lender provides the same simple application procedures as buying a new car, eligible used cars can be purchased through loans.

A related person of the bank said that because it is an unsecured loan, the bank is also cautious about second-hand car lenders, and lenders with stable income sources will be easier to get through. For other lenders, whether they have fixed assets and other evaluation indicators will be examined. The person in charge said, "Because this business has just been launched, it is a business with low threshold and strict supervision. In the future, the semi-mortgage method will be adopted, that is, the bank will mortgage the vehicle to the vehicle management office, and no matter where the vehicle is, it cannot be transferred. In this way, banks will strengthen supervision and control risks. "