At present, it seems that bank second-hand car loans can only buy second-hand car dealers' cars, not private cars. Of course, policies vary from place to place. It is not easy to run a private car here in Suzhou. You'd better consult your local bank. Second-hand car loans require that the car evaluation price is not less than 80 thousand, not the original car price. Remember that it is an evaluation price; If you can get a car loan, you don't have to take the house as collateral. Generally, local people with stable jobs will not be too strict in bank approval; Your top priority is to go to the bank and ask if you can buy a private car. Aigou Financial Network cooperates with many banks, dealers and guarantee companies in Suzhou to provide one-stop service for car loan guarantee.