Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. At present, loans secured by cars are mainly fast. According to the person who drives a used car, can I apply for a second-hand car mortgage loan? What are the requirements?

Semi-new car

Yes, compared with new cars, the market value of used cars is limited. Considering the risks of car loans, banks rarely handle them. Therefore, used car mortgage loans are basically handled through loan companies.

What are the requirements for second-hand car mortgage loan?

1, stable income, no bad records.

For a borrower who wants to apply for a second-hand car mortgage loan, the applicant must first have a stable income and good repayment ability; The applicant's credit must be good and on the personal credit record.

2, have a fixed residence, within the age range.

Those who apply for loans must be between 18-65 years old, and they are 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 vehicle valuation is up to standard.

For new cars, it is easier for new cars to get loans, while used cars don't. Under normal circumstances, the bank stipulates that only cars with a used car price of 700,000-500,000 yuan can apply for loans. The car price is too high or too low to apply for a loan.

4. Vehicle age range

Second-hand cars should not be too old, because cars are cheap, and the greater the possibility of obtaining loans; Finally, the bank still has five years.

Second, what are the conditions for second-hand car loans?

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as auto mortgage. Second-hand car loan application conditions: 1. Have a proper job and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule; 2. Abide by laws and regulations, and have no illegal acts and bad credit records; 3. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; 4. Sign a car purchase agreement or car purchase contract or other valid car purchase vouchers with special dealers; 5. Open a personal settlement account and agree that our company will issue loans to its designated account, and the bank will deduct the loan principal and interest from its designated personal settlement account; 6. At present, the intelligent repayment method and application of Volkswagen used car loans are not accepted.

3. Is there a requirement for car age in car mortgage? What other procedures are needed?

Materials required for automobile mortgage: 1, enterprise vehicle business license, enterprise organization code certificate, tax registration certificate, inventory vehicle list and other relevant materials indicating its operating conditions. 2. Personal vehicle motor vehicle registration certificate, driving license, vehicle insurance policy, travel tax payment certificate, owner's ID card, etc. Customer: Used cars in Jiangsu, Zhejiang and Shanghai (used car mortgage loan and rent-based purchasing are limited to Shanghai cars) 1. Company customers are domestic enterprises with independent legal personality and registered in the administrative department for industry and commerce. 2./kloc-individual customers who are over 0/8 years old and have independent ability can be from this city or other provinces and cities. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _