1, car valuation: different users apply for mortgage loans in different cars, and car loan agencies will value the cars to judge whether to lend. The value of the car is too low to be successful. Generally speaking, the loan amount is 70%, 80% or even 60% of the car price. Suppose the car is valued at 50 thousand, then the loan can only be more than 30 thousand Different institutions have different standards for valuation, so it is best to run more institutions, compare and choose the best.

2. The nature of the car: Most institutions stipulate that only the whole car can be mortgaged, and no loan is needed. Generally, mortgage cars are not accepted. However, there are some exceptions, such as new loans under Ping An Bank. As long as the owner's personal credit is good and the car loan period has reached one year, he can get 45 times the monthly loan funds, which can be used for both driving and lending, and can provide credit support for most users.

3. Car age requirements: Car loan mortgage also requires car age. Many people have bought cars for a certain number of years, and vehicles that are too old are often difficult to realize. In principle, if the car is over 5 years old, the loan value will be much lower. Of course, it must be comprehensively evaluated according to personal qualifications and the above two reasons.

What conditions does a car loan require to get a loan?

The requirements for handling car loans are as follows:

1. Applicant 18 years old or above, and needs to have full capacity for civil conduct. But some places require applicants to be over 23 years old. Please consult the staff for details.

2. Have a stable occupation and the ability to repay the loan principal and interest on schedule.

3. Personal social credit is good, and there should be no trace of frequent credit inquiry in a short time, and other loans or credit cards under his name are not overdue.

4. It is best to have a stable residence where the loan is located.

5. Other conditions stipulated by the Cooperation Organization.

Extended data:

The difference between owner loan and car loan:

Ping an car owner loan is a loan that only needs vehicle registration certificate as collateral, and car loan is a loan that does not take the car or install GPS. Both can be used for personal consumption or business, and the main differences are as follows:

1. Loan amount:

The loan amount of the owner's loan ranges from 300,000 yuan to 500,000 yuan; The car loan amount is between 500,000 and 500,000.

2. Application conditions:

The owner's loan requires the borrower to be between 22 and 60 (inclusive); It is a non-operating vehicle under my name and has been licensed for 3 months; The service life of the vehicle shall not exceed 10 year (subject to the date of first registration), and the mileage shall not exceed10.5 million kilometers; The approved value of the vehicle × the loan ratio shall not be less than 30,000.

Car loans require borrowers to be between 25 and 55 years old (customers who purchase performance insurance can be relaxed to 22 to 60 years old); Have a full car, no mortgage; The vehicle purchase shall not exceed 7 years (subject to the date of first registration), and the mileage shall not exceed1.2000 km; The vehicle evaluation value is above 70,000 (inclusive).

Automobile loans overdue collection:

Different banks or lending institutions may have different regulations, but basically they will stipulate in the loan contract that if the loan is not repaid for more than three months and the overdue nature is bad, the court will force the auction. At the same time, other assets under the name may also be frozen for disposal.

It can be seen that the car loan is overdue for more than three months. Everyone must remember to pay back the car loan on time after buying a car.

If it is overdue, it may be just a collection at first, but once it is overdue for less than three months, the nature is different, and it is likely to be recognized as malicious overdue by banks or lending institutions. At that time, it will be prosecuted, not only the car will be taken back for auction, but also personal credit will definitely be greatly affected. Therefore, even if you can't afford it for a while, you should take the initiative to negotiate instead of turning a blind eye to the collection.

What are the requirements for personal vehicle mortgage loan?

Vehicle mortgage loan is a private loan, and banks do not have this business. Mortgage is to register the motor vehicle registration certificate (Great Green Paper) with the local vehicle management office. Conditions: the car has been paid in full, or the installment payment has been completed, that is, the car is no longer mortgaged. This kind of car can be mortgaged without any special conditions. You can go to the local vehicle management office with the original and photocopy of the ID card of the owner and mortgagee and the mortgage contract. It's simple.