The "car home" loan is real, because this institution is an open and formal institution, and its owner is a joint venture subsidiary of car home and Shanghai Cangu, and its registered place is in Shanghai. You can check their business license information on the website of Shanghai Administration for Industry and Commerce.

However, when we choose such a lending institution, we should still be vigilant and take precautions.

Pay attention to the following points when choosing auto loan companies and auto financing companies:

(1) Some fraudulent companies pull business in the name of big companies, but they don't have office addresses or even provide business licenses.

(2) The lower the threshold, the faster the loan and the more reasonable the interest, the more attention should be paid to prevention.

(3) Require the borrower to pay the deposit, handling fee, first month interest, etc. in advance. You should be careful not to run away when they cheat money. If you encounter a liar, you should call the police at the first time.

Matters needing attention in automobile loan:

Loan target: a natural person with full civil capacity, aged between 18 and 60;

Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle;

Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

What is the loan interest rate of the used car house?

Depending on the loan term, the interest rates are 9.44%, 65,438+08.56% and 28.65,438+06% respectively.

The loan of 65438+ ten thousand yuan was repaid in February, April and June, and the interest was 9440, 18560 and 28 160 respectively, that is, the interest rates were 9.44%, 18.56% and 28.6656% respectively.

Second-hand Car House is an online trading platform for second-hand cars with the most visits, the most authentic information and the most trusted users in China. Formerly a used car channel affiliated to car home, after two years' development, it has surpassed all used car websites and reached the largest daily coverage of independent users. As of February 20 13, the number of daily independent users has exceeded 550,000, and the daily page visits have exceeded 5 million.

Extended data

Second-hand car loan charging standard

Service charge: 3% of the loan amount

Security deposit: 3% of the loan amount (refunded after the mortgage is settled)

Handling fee: 1000 yuan/vehicle.

Investigation fee: 500 yuan/vehicle.

Appraisal fee: charged by the appraisal institution according to the car price.

First of all, the bundled cooperation with the used car market has greatly reduced the risk of non-performing loans. The guarantee company enters the market and has a fixed business place. Vehicle evaluation and transaction audit are carried out for professional companies that have passed the market, especially for the quality status and process of used cars, and medieval evaluation company is designated as the only partner, which eliminates the damage caused by "false evaluation" from the source, greatly improves the accuracy of evaluation, and is very effective for bank risk control.

Secondly, the loan profit is low but the scope is relatively narrow. According to the money search. Com, used car loans are mainly for used cars with a total value of 800,000-800,000, and they must be domestic cars. This delimits the scope to a certain extent, and excludes some potential models with loan demand. There are certain reasons for this consideration in the early stage of development. In the market survey, many used car companies expressed their understanding and hoped that with the business development, the risks would be well controlled and the scope would be expanded.

Finally, the loan period is as long as three years, which controls the generation of non-performing loans to some extent. Because the total price of vehicles is relatively cheap, the repayment pressure of users is not great, and the interest rate borne by loans is relatively low. In addition, both companies indicated that they have effective non-performing loan control and management systems, but the approval time is 5-7 working days, which may affect the rapid development of their business.