30 thousand yuan, the general bank will consider it comprehensively according to your work situation. If your job is relatively stable and you provide proof of income to the bank, you can borrow money without guarantee.
Credit card loans from Standard Chartered Bank, Modern Bank and China Merchants Bank can meet your requirements.
This car can only be mortgaged if you buy it. You can't mortgage a loan before buying a car.
For specific procedures, please consult China Merchants Bank Credit Card Center or call Standard Chartered Modern School. But the interest rate is also quite high. 1 10,000 yuan loan, about one year to exchange 1500 yuan.
What is the interest rate of 23,000 RMB 12 used car loan?
The loan is 30,000 yuan, divided into 12 installments, and the interest rate is 0.0 12 times 12 months, which is equal to 0. 144. 30,000 times 0. 144 equals 4,320 yuan, calculated according to the repayment method of one-year loan with equal principal and interest. Then the amount you should repay is 300004320=3432034320 divided by 12 equals 2860 yuan. So you should pay back 2860 yuan every month.
One. Handover procedure
1. Person-to-person: the original ID cards of the buyer and the seller; Vehicle license plate and motor vehicle registration certificate.
2. Person-to-unit: the organization code certificate of the buyer's unit (original/within the validity period of annual inspection), official seal and the original ID card of the seller; Vehicle license plate and motor vehicle registration certificate.
3. Unit-to-unit: the organization code certificate of the buyer and the seller (original/within the validity period of annual inspection), official seal and ID card of the seller's unit manager; Vehicle license plate and motor vehicle registration certificate.
4. Unit-to-individual: the buyer's personal ID card, the organization code certificate of the seller's unit (original/within the validity period of annual inspection), the official seal of the seller's unit manager and the ID card; Vehicle license plate and motor vehicle registration certificate.
5. If the buyer is a foreign individual and the vehicle needs to be settled, you need to apply for a temporary residence permit; If the buyer is a foreign unit and the vehicle needs to settle in Jinan, it can stay under the personal ID card or temporary residence permit; The owner of the vehicle is a temporary residence permit, and the original temporary residence permit (overdue replacement) shall be provided when handling the transfer filing; Vehicle driving license and motor vehicle registration certificate; Purchase tax account book
The second is the transfer fee
Transaction tax: private households (1%, Gong Hu 3%, private transfer is not subject to transaction tax.
2. Delay fee: 10 yuan.
3. Application fee. Some places are high and some places are low.
4. Transfer fee: it should be charged according to the displacement and year, and different charging standards should be adopted according to the types of cars, off-road vehicles, buses and trucks, such as different displacement ranges and load ranges.
Third, pay attention to buying a car.
1, inquire about the market price of new cars. Before buying a used car, you should first know the brand and model of the used car, and then inquire about the latest market price of the used car (here refers to the actual sales price of the new car, not the market guidance price of the new car). If there is no new car of the same model as the used car you want to buy, you can refer to the new car of the same brand that is closest to this model.
2. The depreciation rate is a preliminary estimate, and the calculation of car age is based on the time when the new car was put on the brand. The factory time of a new car is not necessarily the time of licensing.
I'm going to buy a used car, but I'm short of 30 thousand yuan now. I wonder if this loan is good? How to get a loan? Is it okay without a mortgage?
Without mortgage, it is impossible to borrow so much money at once.
Can 434,000 used cars be paid by mortgage?
Of course, the dealer will appreciate it.
Have you ever heard the saying that cutting meat with a blunt knife won't hurt you?
Many of the finance of used cars are small loan companies, and their operations are very irregular, even if you buy a car in 0 yuan. But when you calculate the repayment, you will know how deep the pit is.
30,000-40,000 yuan, save it for a long time or hire someone to borrow some, don't mortgage the used car.
Used cars are incomprehensible to ordinary people, and finance is even more incomprehensible to most people. The two are superimposed brothers, okay?
I am Dong Dongqiang's car vision, a senior practitioner in the automobile industry, focusing on the topic of car purchase, car use and used car. Welcome to pay attention to my question and learn more.