Having a car in a bank may not be able to get a loan, but it can only be handled if it meets the loan conditions of the bank.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development.
How much can a car mortgage be borrowed in a bank? Just look at it.
When money is badly needed in life, many people will choose to use cars as mortgage loans, and when they need to buy cars for daily travel, they will also get loans through car mortgages. Either way, a question that everyone is more concerned about is "How much can automobile mortgage borrow in the bank?" You won't know until you get to know it. So, let's take a look.
How much can a car mortgage be borrowed in a bank?
First, the new car mortgage
1. The vehicle is for personal use.
The loan amount generally does not exceed 80% of the price of the purchased car.
2. The vehicle is a commercial vehicle.
The loan amount generally does not exceed 70% of the price of the purchased car.
3. The vehicle is a commercial truck.
The loan amount generally does not exceed 60% of the price of the purchased car.
Second, second-hand car mortgage
The loan amount depends on the current assessed value of the vehicle, and generally does not exceed 60% of the assessed value of the vehicle. Note that the appraisal institution must be a professional institution recognized by the bank.
If the vehicle appraisal value is 6,543,800+,then the loan amount may be 60,000;
If the vehicle appraisal value is 200,000, the loan amount may be 1.2 million;
If the assessed value of the vehicle is 500,000, then the loan amount may be 300,000.
Note that the loan amount of auto mortgage in banks may be based on the lender's monthly income level, and some banks require proof of income. Generally, the monthly repayment amount of mortgage loans is not more than 50% of family income. You should know that the longest life span in automobile mortgage is only five years, that is, 60 months. According to this restriction, it may also affect the actual loan amount.
The above is about "how much can a car mortgage be borrowed in a bank", which is for reference only, subject to consulting the local bank.
How much can a vehicle mortgage loan generally borrow?
First of all, answer directly.
Whether you can apply for your favorite loan amount when you go to the car mortgage depends on the mortgaged car.
Second, the specific analysis
In general, the higher the value of the vehicle, the higher the loan amount you can apply for. In addition to the value of the car itself, the service life, mileage and whether it has been hit can all affect the final credit line.
If you apply for a car mortgage in a bank, you can generally apply for a loan amount of about 50% of the vehicle evaluation price.
If you apply for auto mortgage in an auto financing company, you can generally apply for a loan amount of about 70% of the assessed price of the vehicle.
To apply for a car mortgage on the mobile phone small loan software, you can generally apply for a loan amount of 80%-90% of the vehicle evaluation price.
However, the loan interest rate of mobile phone small loans is usually higher than that of banks and auto financing companies.
Of course, your personal qualifications can also determine the loan amount you finally apply for. If your personal credit rating is high, the amount approved by financial institutions is high.
If there are some bad overdue records on personal credit information, even if the car is valuable, the credit line applied for may not be within the ideal value.
If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is any abnormality in your online hacker data, you can find that Xiaoqi Credit Information can get your own big data and credit status, various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.
Third, is green automobile mortgage safe?
Mainly depends on who to mortgage. If formal institutions are safe, informal institutions are not.
The green paper of the automobile is the motor vehicle registration certificate, which is equivalent to the household registration book of the vehicle. Because it is a green shell, it is called a "green book". So, is green automobile mortgage safe?
Whether the green car mortgage is safe or not depends mainly on where you mortgage the green car. If you apply for a loan in a bank or a formal lending institution, then the green car is naturally mortgaged in the bank and lending institution. It's basically safe, and there will be no problem.
But now there are more and more private loans, and many lawless elements have mixed in. If you accidentally mortgage the Green Paper to a fraud agency, those criminals are likely to steal your information to commit some illegal acts or commit them on you. This is a big security risk.
When borrowing money at ordinary times, you must also keep your eyes open to avoid falling into the trap. It is better to apply for loans from banks and formal large-scale lending institutions, which is safer and more secure.