Hello, most car loans are three years at present, but the longest term of personal credit loans can be five years. Please understand that it is recommended to consult your local bank.

Second, how many years can second-hand car loans last?

First of all, answer directly.

According to the news from official website, a major bank, a borrower can apply for a mortgage loan with a second-hand car as collateral. The longest loan period can reach three years, and the shortest loan period is three months.

Second, the specific analysis

The borrower can choose the installment time according to his actual situation. Of course, when approving loans, banks will also make comprehensive judgments based on the borrower's repayment ability.

If you want to apply for a second-hand car loan, the bank will also appoint an evaluation company to evaluate the vehicle. After obtaining the appraisal report issued by the appraisal company, we can judge the time when the borrower can apply for installment loan, the loan amount and the loan interest rate.

In terms of loan interest rate, although both new cars and used cars are the benchmark interest rates of the People's Bank of China, the loan interest rate of used cars will be higher than that of new cars under the same circumstances.

When applying for a second-hand car loan, the borrower needs to submit his ID card, household registration book, residence certificate, income certificate and other specific materials.

In addition, if the borrower is married, the relevant information of the spouse also needs to be submitted to the bank.

If the loan conditions are met, the bank will notify the lender to sign the loan contract and related guarantee contract within 15 working days after accepting the loan application.

When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through "Beijian Quick Search" data, and at the same time, they can learn more online loan overdue information, application records, untrustworthy information, blacklists and other information without leaving traces.

Third, can second-hand housing loans be loaned for 30 years?

The loan period of second-hand housing loans can generally reach 30 years, so applying for a 30-year loan to buy second-hand housing should not be a problem in principle.

However, it should also be noted that banks generally have certain restrictions on the age of purchased houses (some stipulate that the age of houses cannot exceed 20 years, while others stipulate 25 or 30 years), and the loan period plus the age of mortgaged properties will also be limited.

For example, many banks stipulate that the loan term plus the age of the mortgaged property should not exceed 40 years in principle (specifically determined by the handling branch), so if the purchased second-hand house is too old, I am afraid it will not last for 30 years.

For example, the house is 20 years, and the longest loan period is only 20 years; If the house is 25 years old, the loan can only be borrowed for 15 years.

It is precisely because of this that it is recommended not to choose an old house to buy a second-hand house, otherwise I am afraid it is not a good loan.

3. How much can I borrow from a second-hand car loan in 22 years?

50,000-80,000.22 years old, the price of used cars and the specific units or individuals loaned by banks, credit cooperatives and other institutions will generally stipulate interest and repayment date.

How many years can a handcart be divided into

1. The longest loan term of used car loans is 3 years. When applying for a second-hand car loan, there are six installments, 12 installment, 24 installment and 36 installment for users to choose from. Different lending institutions have different periods. In addition, the second-hand car loan also requires that the age of the car should not exceed 7 years, and the down payment of the car buyer must be above 50%.

2. The lending institution will review the borrower's personal qualifications, and the loan life of the used car will be approved by reviewing the qualifications, but the longest approved life will not exceed 3 years.