Do you have a stable job and income? Is the income high? If the income is high, it is ok to buy a car if you can get an unsecured loan, but it is still difficult now. Another is that the house is still relatively small, so you buy a used car. It is suggested to go to a small bank or rural credit cooperative to ask about the operable products, mainly depending on the signed contract. You can find a car loan calculator to calculate. Private lending companies can also consider it, but I personally don't recommend this way.

2. Can I get a bank loan when I buy a used car?

No, now banks are tightening monetary policy and restricting lending. Besides, buying a car is expensive, so forget it.

3. Can I get a loan for buying a used car? How many years at most? What's the procedure?

To apply for a second-hand car loan, you must first meet several conditions:

First, you should have the ability to pay the down payment. Second-hand car down payment is relatively high, generally 50% of the car price; In addition, it is to choose a bank or auto financing company that can handle second-hand car loans;

In addition, the service life of the purchased second-hand car should not be too long, not more than 5 years, and it can only be transferred once, and the mileage of the vehicle is within 6.5438+0.2 million kilometers. As long as the documents are complete and meet the requirements of the bank, the purchase of used cars can also be realized by means of loans.

Used car loan process:

Submit relevant materials to the brokerage company for preliminary examination;

2. Pay the down payment;

3. Select the used car to buy;

4. Sign a car purchase contract with the dealer and insure the vehicle (generally requiring reinsurance of used cars); The bank accepts the loan application and decides whether to approve it or not; Handle vehicle-related formalities and deliver the vehicle.

Note: National laws and regulations limit: the maximum loan amount does not exceed 50% of the purchase price, and the longest loan period is three years.

Extended data:

Buying a car by mortgage means that consumers apply for a mortgage from a car dealer and follow the process of buying a car by mortgage. Guarantee companies (usually banks) require customers to prepare personal information in accordance with relevant regulations and confirm its authenticity.

Including: marriage certificate, identity card, real estate license, income certificate, residence permit (or temporary residence permit) and other copies. ), driver's license, etc. If you are an employee of a state-owned enterprise, you need to prepare a copy of your work permit. If you are an individual and private household, you need to submit a copy of your tax registration certificate, business license and other relevant documents. And a guarantor with a local account.

Application method: There are two ways to apply for mortgage to buy a car. One is personal credit mortgage to buy a car (generally requiring good credit, no mortgage, no guarantee, stable work income and no bad hobbies). This form of car purchase can generally be loaned for 5 years. The other is to buy a car with real estate mortgage (with real estate license as mortgage). Generally, the mortgage loan for buying a car can last for up to 5 years. The down payment for both types of mortgages is above 30%. The interest rate is mainly determined according to the loan type and personal qualification;

Mortgage car purchase process: If all the preparatory work and qualifications are available, then the progress of meeting the car has been completed 90%, except for the final mortgage car purchase process. The process of buying a car by mortgage is divided into the following six points:

The borrower applies to the loan bank for personal automobile mortgage;

2. Lead customers to choose cars at the bank's special dealers and sign car purchase agreements or contracts;

3. Sign the contract with the consent of the investigation;

4. Lenders (banks) handle loans;

5. Go through the formalities of notarization and mortgage of automobiles;

6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.