1. Can I buy a second-hand car with a loan? How can I get the most cost-effective loan for a second-hand car?

In the second-hand car market, I can hear the heartfelt words from brokers: it is difficult to make money by selling second-hand cars now, so I still need to think about some new "methods". Some large-scale second-hand car brokerage companies have begun to regard second-hand car loans as a new way of second-hand car sales. Among the consulting service platforms for automobile mortgage loan, Yiche Loan is one of the few platforms that provide comprehensive consulting services for second-hand automobile mortgage, automobile realization, second-hand automobile pawn, automobile, automobile and financing loan. Customers can use the ownership of their own motor vehicles as collateral to obtain convenient and fast short-term financing with flexible term and reasonable rate. At present, there are two service modes: GPS without parking and parking.

In some second-hand car showrooms, there are signs of second-hand car loans on the front windshield, which specify the monthly exchange amount of this car. The business staff of the brokerage company said: "Many people were not used to it before, but after a while, many people are still calculating whether it is cost-effective to buy a used car with a loan."

insiders pointed out that the current market demand for second-hand car credit is relatively large, especially after 27, showing a rapid growth trend. On the one hand, the total price of used cars is low, and the repayment pressure is small; On the other hand, the acceleration of automobile upgrading meets the needs of young consumer groups and business groups. It is expected that the development of second-hand car credit business will have a certain impact on the current long-term car rental business, which will greatly promote the brokerage and sales of second-hand cars.

● Second-hand car loans move forward cautiously

According to the information provided by two loan companies, the current second-hand car loans are relatively perfect in risk control management and relatively cautious in pace, and should be accelerated to adapt to the current market development.

firstly, the bundling cooperation with the used car market greatly reduces the risk of non-performing loans. Both guarantee companies are stationed in the market and have fixed business premises. For the professional companies that have passed the market, vehicle evaluation and transaction review are carried out, especially for the quality status and procedures of used cars, the medieval evaluation company is appointed 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 current scope is relatively narrow. According to manager Sun Gang of Huaxiang used car business department of Zhongshuo Company, at present, used car loans are mainly for used cars with a total value of 8,-8, yuan, and they must be made in China. This has delineated the scope to a certain extent, and some potential models with loan needs are currently excluded, which also has certain reasons for this consideration in the early stage of development. In the market survey, many used car companies expressed their understanding and hoped to expand the scope with the business development and good risk control.

finally, the maximum loan period is three years, which controls the generation of non-performing loans to a certain 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 an effective system for the control and management of non-performing loans, but the approval time is 5-7 working days, which may affect the rapid development of their business.

for the current consumer demand, there is little capital pressure. According to the forecast, about 1% of potential users who buy used cars will tend to buy used cars with loans, which is a favorable policy for the used car business.

second, do you want to buy a second-hand car or a car in installments?

since you can save 1, yuan a month, I suggest you save for a few more months to buy a good car, preferably not a used car or mortgage. Let me analyze the reasons: the shortcomings of mortgage are obvious, the handling fee is high, the interest is high, and the car maintenance fee is increased every time), and it is necessary to repay it on time every month (trouble)! Besides, unless you have a knowledgeable friend, it is best to repair the car. Or buy a car from a trusted friend. Otherwise, it is better not to buy it. Now the used car market is too chaotic, the simplest number can be changed, and you can change it to tens of thousands of kilometers after running hundreds of thousands of kilometers; 2, the car that had an accident, after repair, does not come out, there are a series of cars that have passed the water, and such cars will be scrapped when they are bought back; 4, a modified car, this kind of car base is useless when it is bought; 5. When a car is near major maintenance, it needs major maintenance when it reaches a certain mileage or fixed number of years, and many parts need to be replaced. Therefore, many experienced car owners will choose to sell their cars near major maintenance, and the cost of major maintenance will be tens of thousands, even if you buy it for 2, yuan, you will actually have to raise more. ???????????????????????????? Therefore, I suggest putting up with it again and saving it. If you buy it back, you can't say that you will lose 2%.

third, can I get a loan to buy a second-hand car, and is it easy to mortgage it?

Yes, but certain conditions need to be met. Conditions that need to be met in handling second-hand car mortgage loans:

1. The borrower has a stable economic source and a good credit record. For the borrower who wants to apply for a second-hand car mortgage loan, first of all, the applicant must have a stable income and good repayment ability. The applicant's credit must be good, and there is no bad record on the personal credit record. 2. The borrower is of an appropriate age and has a stable residence. Applicants for loans must be between 18 and 65 years old, too young or too old to apply for loans. Finally, the applicant should have a fixed residence at the location of the branch of the lending institution. 3. The age of the vehicle is suitable. It is required that the age of the used car should not be too old. Because the car is originally worn out, the newer the used car, the greater the possibility of obtaining a loan. The bank also stipulates that the loan period for used cars is generally 15 years. 4. Second-hand vehicle mortgage loan vehicle valuation is up to standard. The second-hand car is not like a new car, and the new car is more likely to get a loan, but the second-hand car is not. Under normal circumstances, financial institutions stipulate that a car with a used car price of 7,-5, yuan can apply for a loan. If the car price is too high or too low, it is not easy to apply for a loan.

Extended information: Bundling cooperation with the used car market has greatly reduced the risk of non-performing loans. Guarantee companies are stationed in the market and have fixed business premises. For the professional companies that have passed the market, vehicle evaluation and transaction review are carried out, especially for the quality status and procedures of used cars, the medieval evaluation company is appointed 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. The loan period is up to three years, which controls the generation of non-performing loans to a certain 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 an effective system for the control and management of non-performing loans, but the approval time is 5-7 working days, which may affect the rapid development of their business.

fourth, can I get a loan to buy a car on the used car platform?

buying a car is a big deal, and of course you can get a loan. I bought the car with a second-hand car loan from Guazi, and the process is very simple. The most important thing is that it is particularly cost-effective.