If you have a second-hand car with a value of 265,438+00,000, you have to mortgage it to the bank first. Generally, you can get at least 40,000 to 50,000, but how much depends on the bank's evaluation, which has a lot to do with your car condition. If the car is well maintained and there has been no traffic accident, the price may be higher. Let's discuss it with you today.

First, you can provide your own proof of income.

Although when making mortgage loans, banks often value your collateral, because it is the most important subject matter. If you are unable to repay, the bank can finally take back the collateral, but generally speaking, the bank also needs to evaluate your credit rating. If your income is relatively high, your loan is also high and the interest rate is lower.

Second, you can ensure that your car is in good condition.

In the process of car mortgage, the bank's evaluation is not to look at the amount of your car, but to investigate your previous car accident records. If the car has no record of major accidents, then the maintenance and quality of the car are better. In this case, you can also improve the value of bicycles in disguise. Because this is a used car, you need to consider its depreciation when you mortgage it, so I feel that at least you can give it about 6.5438+0.5 million.

Third, can it be raised to this level?

If it is a relatively large bank, it is generally very difficult to increase this quota, if it is a small regional bank. You can even get a higher loan amount through some methods, which has exceeded the original value of your cycling, but in this case, your risk will be greater, after all, you need to pay more interest.