Several schemes for obtaining auto loans;
(a) Beijing license plate can be used for credit for the whole vehicle, or it can be a one-time charging procedure, that is, the vehicle registration certificate is charged to the bank, and the vehicle is still driving normally. The general monthly interest rate is 0.43-0.85%, and the maximum loan amount is the vehicle appraisal value. Generally, the maximum amount of products for mortgage procedures is 800,000, and loans can be made on the same day.
(two) Beijing license mortgage car, you can do credit. According to the monthly mortgage payment and credit information, the loanable amount is given. Generally, the monthly interest rate is 0.85- 1.5%, up to 500,000 yuan, and the loan can be released on the same day at the earliest.
(3) Vehicles with all foreign license plates can only apply for vehicle registration certificate or vehicle pledge. Generally, the monthly interest rate is 0.6- 1.35%, and the loan will be released on the same day at the earliest. This doesn't look at the credit information, and it's okay for black households to fail to pay back after the deadline.
(4) Vehicles with foreign license plates can be used for credit or mortgage. The general monthly interest rate of credit is 0.75- 1.5%, with a maximum of 500,000, which requires good credit information.
(5) For luxury cars with a value of more than 654.38+00,000, the general mortgage procedures can only be up to 800,000, and the monthly interest rate is 0.5-0.9%! The maximum mortgage procedure for products with institutions can reach 2 million, or the mortgage loan evaluation value is full.
(6) Unconventional circumstances:
1. If the vehicle age is more than 8 years and not more than 10, you can also use good credit information for mortgage procedures.
2. If the credit rating is high enough to exceed 1.5 times or even 2 to 4 times of the loan valuation, maybe you bought a car for 200,000 five years ago and can lend you another 200,000.
3. If the credit information is not good, and it is a mortgage car, you can only take the car or the mortgage balance is very small, then cancel the mortgage and re-charge.
In the above scheme, it is definitely good to do credit investigation, with low credit or low interest, and only charge for procedures. If the credit information is not good, only the handling fee or the fare can be charged, and the interest rate is definitely higher than that of the customers with good credit information.
What conditions do vehicles used for mortgage need to meet?
(1) The license plate must be in the name of the borrower.
(2) The license plate is the location of the lending institution.
(3) The minimum price of bare cars is 50,000 yuan.
(4) The maximum vehicle age shall not exceed 10 years. In fact, most lending institutions will require that the age of the car should not exceed 5 years.