Used cars can apply for mortgage loans.

The application conditions for auto loan are as follows:

1. Car buyers must be at least 18 years old and be China citizens with full civil capacity.

2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule.

3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter.

4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

5. Car buyers are willing to accept other conditions deemed necessary by the bank.

Automobile loan processing flow:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

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

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

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

5. loan settlement.

Second, how to handle the second-hand car loan?

Just apply directly to the bank. Different banks have different interest rates.

Second-hand car loan conditions:

1. A natural person with full capacity for civil conduct, aged between 18-60;

Two, urban permanent residence or valid residence status;

Three, a legitimate occupation and stable economic income, with the ability to repay the loan principal and interest on schedule;

Fourth, there is real estate in the local area;

5. Have good personal social credit;

Other conditions stipulated by the cooperation organization.

Used car loan information:

1. Original and photocopy of ID card, household registration book or other valid residence certificate;

2. Proof of occupation and economic income;

3, two one-inch recent photos, if the car buyer is married, but also a marriage certificate and spouse certificate;

4. Car purchase agreement, contract or letter of intent signed with the dealer;

5. Other materials required by the lending institution.

3. Can I apply for a loan for a used car? How come?

You can apply, but you must first ensure that you have a down payment. The down payment requirement for used cars will be higher than that for buying new cars. Then, you must have a stable income certificate to ensure that you can repay the loan. Suggest applying for online /quickloan/index.jsp? Dashi=bdzdjz, convenient and fast.

Fourth, used cars have car loans. How should I go through the formalities?

Direct bank interest rates are different. General used car dealers' association