Generally speaking, the appraisal price of a car is determined by the appraisal institution, and the mortgage rate of a car is determined by the borrower's credit status and repayment ability. Usually, the automobile mortgage rate is around 70-80%. For example, a new car mortgage loan of 60,000 yuan is generally evaluated as 40,000 yuan due to the rapid depreciation of the car. According to the mortgage rate of 70%, you can borrow 20,000-30,000 yuan.
Moreover, how much money a car mortgage can borrow is also related to the nature of the car, as follows:
1. If the loaned car is a commercial car, the maximum loan amount shall not exceed 70% of the total value of the car;
2. If the car loan is a private car, the maximum loan amount shall not exceed 80% of the total value of the car;
3. If it is a second-hand car, the loan amount is determined by the evaluation value.
At present, private lending institutions on the market can make up 9- 100% of the car value at most, that is, according to your current 60,000, you can borrow 50,000-60,000 at most, and the interest is generally around 1.2. Of course, there is more flexibility. You can calculate the amount of money by the day.
How much can a car loan generally be borrowed?
If you choose a mortgage loan to buy a car, then this loan method is the same as buying a house. First of all, you have to pay a certain down payment ratio, and you can apply for a loan for the balance. Generally speaking, the minimum down payment for a car loan is 30%, that is to say, if you buy a car through this kind of loan, the loan amount is generally around 70%. Take a 6.5438 million car as an example, with a down payment of 30,000 yuan and a loan amount of 70,000 yuan.
How much can a 60,000 car mortgage loan be borrowed? You have to understand these jargon!
Now basically every household has a car, which not only solves our travel problem, but also can be used as collateral to exchange money when encountering difficulties. Some users have inquired that they have a 60,000-car model and want to know how much mortgage loan the next 60,000-car can borrow. So let's talk to you briefly.
1.6 million car mortgage loan?
There is a jargon in the car industry, which is called "30% off when landing and 10% off the next year". For example, the total price of the user's car is 60,000. As long as you are on the road and want to make a mortgage loan, its evaluation value is 60 thousand. If the vehicle has been used for one year, its evaluation value is 60,000, and so on.
Of course, this formula is only a simple estimate, and the specific evaluation price is also related to many factors such as driving distance and vehicle damage.
2. What are the costs of vehicle mortgage loan?
In addition to how much car loans can be borrowed, many users are more concerned about what fees the platform institutions will charge in this process. Generally speaking, assessment fees and general practitioner fees are common, but some institutions will also charge points fees and pre-payment for procedures. We must pay attention to this situation.
The above is about "how much can a 60,000 car mortgage loan be borrowed? What are the costs? " I hope it will be helpful to users who need cars. Because there are fewer banks that provide car-to-car service, it is necessary to pay more attention to private institutions when they arrive by car, and try to choose formal, qualified and licensed institutions.
How much can a 60,000 car mortgage loan be borrowed? About this range.
For car owners, they often choose second-hand car mortgage loans when making loans. A friend asked: How much can a 60,000 car mortgage loan be borrowed? Today, I will introduce the relevant content to you, hoping to solve the doubts in everyone's hearts.
In commercial banks, the calculation of second-hand car mortgage loan amount is more complicated, depending on the bank. In some online lending platforms, the loanable amount of used car mortgage loans has reached 80%-90% of the car valuation. In other words, the loan amount can reach100,000 if the used car with a value of 60,000 is evaluated. Here, I would like to introduce several such platforms to you.
1, shenzhou car flash loan is a well-known second-hand car mortgage loan platform, with low application threshold, and basically all cars can be loaned. The loan interest rate of the platform can be as low as a friend in need every month. You can call customer service to ask how much you can borrow for a 60 thousand car mortgage loan.
2. Anyi Loan is also a large-scale online lending platform, which can provide used car mortgage loans for everyone. The second-hand car mortgage loan amount of the platform can reach 80% of the car valuation. In other words, a car loan of 60,000 yuan can be loaned to 1 10,000.
Chelirong is a website specializing in second-hand car mortgage loan, and the loanable amount has reached 90% of the car valuation. For 60,000 used cars, the mortgage loan amount can reach 1 10,000 yuan.
The above is the content of the second-hand car mortgage loan. It should be reminded that the amount of second-hand car mortgage loan is not only related to the loan ratio, but also related to everyone's personal credit and income. Therefore, it is difficult to calculate the loan amount simply and accurately.