1. Can black households buy second-hand cars in installments?

1. Black households cannot buy second-hand cars in installments. Black households are temporarily not eligible for loans. The car loan application conditions are as follows:

(1) The car buyer must be over 18 years old and a Chinese citizen with full civil capacity;

(2) The car buyer must have a A relatively stable career and a relatively stable economic income or assets that are easily liquidated;

(3) Provide the bank with a guarantee recognized by the bank;

(4) The car buyer is willing to accept the bank’s Other conditions deemed necessary.

2. Legal basis: Article 66 of the "Interim Measures for Social Assistance"

Anyone who violates the provisions of these Measures and falls under any of the following circumstances shall be ordered by the superior administrative agency or supervisory agency Correction; the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the law:

(1) Not accepting rescue applications that meet the application conditions;

(2) Disapproval of rescue applications that meet the rescue conditions;

(3) Approval of rescue applications that do not meet the rescue conditions;

(4) Disclosure of citizens who know about it at work personal information, causing consequences;

(5) Losing or tampering with social assistance funds, service records and other data;

(6) Failure to distribute social assistance funds in accordance with regulations, supplies or provide related services;

(7) Any other abuse of power, dereliction of duty, or malpractice for personal gain during the performance of social assistance duties.

2. What procedures are required for a second-hand car mortgage?

The procedures required for a second-hand car mortgage are as follows:

1. Customer application. The customer applies to the bank, fills in the application form in writing, and submits relevant information;

2. Sign the contract. After the bank has reviewed and approved the application materials submitted by the borrower, the two parties will sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;

3. Grant the loan. After the loan is approved by the bank and all procedures are completed, the bank will transfer it directly to the car dealer's account according to the contract;

4. Repay the loan on schedule. The borrower repays the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;

5. The loan is settled.