There are usually several ways to buy a used car with a loan:

(1) If you apply for a loan with the purchased vehicle or other real estate as collateral, the down payment shall not be less than 30% of the purchase price, and the loan amount shall not exceed 70% of the purchase price.

(2) Where a loan is applied by pledge or a bank or insurance company provides joint liability guarantee, the down payment amount shall not be less than 20% of the car payment, and the loan amount shall not exceed 80% of the car payment.

(3) Where a loan is applied by means of third-party guarantee (except banks and insurance companies), the down payment amount shall not be less than 40% of the car payment, and the loan amount shall not exceed 60% of the car payment.

Second-hand car loan fee details:

1. notarized mortgage fee: notarized mortgage fee is required for vehicle notarization, 800 yuan, and of course there will be a receipt.

2. Performance fee: generally 3% of the loan amount. Less than 3000 yuan, unified by 3000 yuan. After the loan is paid off, the deposit will be refunded in full.

3. Credit investigation fee: banks will conduct consultation and investigation before lending, so they will generally charge 1% of the loan amount, and the fees charged by banks in different regions are slightly different.

4. installment fee: credit card loans need installment fees to buy a car. General 12 installment total cost is above 10%.

5. Mortgage fee: Generally, the mortgage fee is about 3%.

6. Registration fee: registration fee for local vehicle management office 130 yuan, photo production fee for 20 yuan 150 yuan.

7. Insurance premium: Take compulsory insurance as an example. Private car premium in 950 yuan, enterprise non-operating car 1 000 yuan, agency non-operating car in 950 yuan, business rental 1, 800 yuan.

8. Other expenses, such as some GPS equipment installation fees, PDI monitoring fees, delivery fees, handling fees, service fees, etc. Of course, whether it is obviously unreasonable or not, consumers must know more before repaying the loan.

According to the model, displacement and loading quality, the charges are different. Take Beijing as an example: the transfer fee of used cars is mainly related to the displacement and service life, in which the displacement below 1.0L is around 200 yuan, the displacement below 1.0L- 1.9L is 400 yuan, the displacement between 2.0l and 2.9l is 600 yuan, and the vehicle above 3.0L is 800 yuan. The longer the service life, the cheaper the transfer fee. Generally speaking, the handling fee for choosing a loan to buy a car is about 10000 yuan.

2. What are the charges for installment payment of used cars?

There are also various scams on the market to buy used cars by stages. For car buyers, they may be cheated if they are not careful. Many friends who borrowed money to buy used cars regretted buying cars by stages after telling their experiences. Some people say that second-hand car installment payment is too dark, and there are various fees for second-hand car installment payment, including many handling fees, service points, interest and down payment.

Used car installment clause

1. The age of the mortgaged car must be less than 5 years, and the shortest mortgage period is 6 months.

2. The mortgagor of the mortgage car should have a good credit record in the bank credit card.

Used car installment payment information

1, ID card, household registration book, driver's license, marriage certificate (optional), bank account, income certificate and real estate.

2. The down payment of the mortgaged vehicle must provide more than 30% of the car payment, and more than 50% can be provided without the property certificate.

3. If the mortgagor is a foreigner, he needs to apply for a local temporary residence permit (two copies with official seal).

Used car installment payment process

1. Before the transfer, you need to return the commercial insurance of the mortgaged vehicle, and only keep the compulsory insurance.

2. After the mortgagor's data is reviewed, transfer the vehicle, pay attention to whether the vehicle has any unprocessed illegal records, check whether the vehicle is in the state of mortgage, mortgage and custody, and transfer the vehicle and put it on record after confirmation.

3. After the transfer of the mortgaged vehicle, the national unified invoice (original copy), vehicle registration certificate, compulsory insurance receipt (original) and driving license of the used car shall be retained.

Schedule of used car installment expenses (charging standards vary from place to place, for reference only)

1. Performance fee: generally 3% of the loan amount; If it is less than 3,000 yuan, it will be charged at 3,000 yuan, and the deposit will be fully refunded after the loan is paid off.

2. Fair mortgage fee: Pay around 800 yuan when handling the vehicle mortgage, and a receipt will be issued.

3. Consultation and investigation fee: 65,438+0% loan amount fee will be charged for the consultation and investigation conducted by the bank.

4. Installment fee: If you buy a car with a bank credit card loan, the total installment fee of 12 is generally above 10%.

5. Mortgage fee: 3% mortgage fee is generally charged.

6. Registration fee: registration fee for vehicle management office 130 yuan, photo production fee for 20 yuan 150 yuan.

7. Insurance premium: Take compulsory insurance as an example. The premium for private cars is about 950 yuan, the enterprise non-operating vehicle 1 000 yuan, the government non-operating vehicle 950 yuan, operating lease 1, 800 yuan.

8. Interest: Generally, the annual interest rate of used car installment payment for two to three years is around 6.6%, and the specific charges vary from bank to bank. Please consult the loan bank and car dealership for details.

3. What's the mortgage fee for used cars?

Bank interest and gps fees (rarely charged) are the basic expenses of mortgage. But there are also so-called bank charges and car dealers' guarantee fees, which are also charged, but these fees are the fees of car dealers and bank mortgage officers.

4. 1.2 million What is the mortgage fee for used cars?

1. When an individual applies for a second-hand car mortgage loan, the loan company will require the applicant to prepare personal ID card, household registration book, work certificate, income certificate, continuous bank card flow in the last six months, personal assets certificate, etc. And then apply for a second-hand car mortgage loan.

2. When applying for a second-hand car mortgage loan, the applicant is generally required to prepare a certain down payment, and the amount of down payment for second-hand cars is mostly around 30%-50%. Other expenses such as mortgage registration fee, automobile insurance fee and other handling fees (such as deposit, credit, guarantee, etc.). ).

3. Different loan companies charge different fees for second-hand car mortgage loans. Individuals can consult several loan companies before applying for second-hand car mortgage, and then choose a loan company with reasonable fees to apply for second-hand car mortgage.