1. Generally speaking, the appraisal price of a car is determined by the appraisal institution, and the mortgage rate of the car is determined by the borrower's credit status and repayment ability.

Second, so, to know the amount of 200,000 car mortgage, we should not only know the current evaluation value of the car, but also look at the applicant. Usually the car mortgage rate is around 60%. A new car mortgage loan of 200,000 yuan is generally evaluated as 6,543,800+2,000 yuan because of the rapid depreciation of the car.

Third, generally speaking, lending institutions will refer to the brand, age, mileage and license ownership of vehicles to judge the loan amount. The better the vehicle quality, the more money they can borrow, and vice versa, as follows:

1, then the maximum loan amount shall not exceed 70% of the total car value;

2. If the car loan is a private car, the maximum loan amount shall not exceed 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.

As far as automobile mortgage is concerned, it can be divided into mortgage loans and non-mortgage loans.

Under normal circumstances, the amount of mortgage loan that can be applied for parking is about 70%-90% of the valuation, and the maximum amount of loan application can reach 70%.

In addition, if effective rights are pledged or banks or insurance companies provide links, the maximum loan amount shall not exceed 90% of the face value of the pledged property.

Handle car loans

1, car purchase contract. The formal purchase and sale contract signed by the buyer guarantees the rights and interests of both dealers and consumers.

2. Other procedures:

(1) Industrial and commercial verification: official car purchase invoice, factory

(2) Apply for a mobile license plate: vehicles without a license plate cannot go on the road. After verification, consumers have also obtained a vehicle movement permit from the traffic police department.

(3) Handling the driving license: prepare two photos of the new car; Temporary driver's license; Record card; Road maintenance fee voucher.

Collection office for the record, and affix the seal for the record on the surcharge voucher, and then go to the local taxation bureau (or to the resident collection office when buying a car) to pay the vehicle and vessel use tax and receive the tax plate.

2. What's the annual interest on the car mortgage of 63,000 yuan?

The car mortgage is 60 thousand, and the annual interest rate of the loan is generally 6%. The loan interest for three years is the loan amount multiplied by the annual interest rate multiplied by three = 60,000 yuan x 6% x3 = 1.08 million yuan. Generally speaking, the time spent in automobile mortgage is relatively short, and the annual loan interest rate is high. The loan is 60,000 yuan, with an annual interest rate of 6%. One-year interest is 3600 yuan, and three-year interest is 108000 yuan.

3. What is the general interest rate in automobile mortgage?

The approximate interest rate range in automobile mortgage is 5.4%- 15.24%, but most of the interest rates in automobile mortgage are based on the monthly interest rate. Banks are between 0.6% and 0.9%, and financial institutions are separated at 1-1.5. Interest calculation formula: interest = loan principal loan interest rate loan term.

Extended data:

Banks generally have requirements on the age, mileage and vehicle valuation of the loan vehicle, but financial institutions will require the vehicle to be registered in the lender's name, licensed and unsecured.

The loan funds can be used for business purposes such as purchasing raw materials and commodities, and also for consumer purposes such as car purchase, decoration, travel and wedding. Bank vehicle mortgage loans are generally not allowed to be used for buying houses, studying abroad, investing in financial securities products and other purposes.

Generally speaking, the auto loan interest rate is slightly higher than the bank benchmark interest rate. Generally, the average interest rate of bank auto loans rises according to the bank benchmark interest rate 10%, and the bank benchmark annual interest rate is 65438+5.56% in 0 years and 5.60% in 2-3 years. The car loan interest rate is 65438+6. 1 16% for 0 years and 6. 16% for 2-3 years.

Suppose the borrower takes out a car mortgage of RMB 654.38+10,000/year, with an annual interest rate of 6. 116%. Matching principal and interest repayment, the total interest is 3343.7 1 yuan, the total repayment is 103343.75438+0 yuan, and the monthly repayment is 861.98 yuan. If the average capital is used for repayment, the total interest is 33 12.83 yuan, the total repayment amount is 1033 12.83 yuan, the repayment amount in the first month is 8843 yuan, and the monthly repayment amount is decreasing.

4. What's the interest on the car mortgage loan?

7% 3-8% 3.

Interest rates are generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is usually expressed as a percentage. For example, the annual interest rate is 7.2%, which means that the principal is 100 yuan, and the accrued interest for one year is 7.2 yuan. The monthly interest rate is usually expressed in one thousandth. For example, the monthly interest rate is 6‰, which means that the principal is 65,438 yuan+0,000 yuan, and the accrued interest is 6 yuan. The daily interest rate is usually expressed in ten thousand units, for example, the daily interest rate is 20/000, that is, the principal is 10000 yuan, and the daily accrued interest is 2 yuan. In the calculation process, it should be noted that the expression of interest rate should correspond to the expression of deposit term. Year, month and day can be converted into each other, and so can annual interest rate, monthly interest rate and daily interest rate: annual interest rate = monthly interest rate × 12= daily interest rate × 360 month interest rate = annual interest rate ÷ 12= daily interest rate× 30 day interest rate = monthly interest rate ÷30= annual interest rate× 360 month interest rate. The principal can be the deposit amount or the loan amount. Time is the actual time of deposit or loan. Interest rate is the ratio of determined interest amount to deposit amount. The calculation method of interest is divided into simple interest and compound interest. The calculation formula of simple interest is: sum of principal and interest = principal ×( 1 interest rate× term) interest = principal × interest rate× term. For example, a depositor's five-year time deposit 1000 yuan, with an annual interest rate of 13.68%. When the deposit expires, the depositor should get interest: 1000. Compound interest is the symmetry of simple interest, that is, after a certain period of time (such as one year), the accrued interest principal is recalculated and accumulated one by one. The calculation formula of compound interest is: the sum of principal and interest = principal (1 interest rate) n where n means periodic interest = principal and-principal. At present, the calculation method of simple interest is still widely used in China.