30 thousand yuan, the general bank will consider it comprehensively according to your work situation. If your job is relatively stable, provide proof of income to the bank and you can borrow money without guarantee.

Standard Chartered Bank Modernist and China Merchants Bank credit card loans can meet your requirements.

The car can only be mortgaged if it is bought. You can't mortgage 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. With a loan of 10,000 yuan, it will be changed every year 1500 yuan.

2. What's the interest rate of a second-hand car loan of RMB 30,000 12?

The loan is 30,000 yuan in 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 have to pay back 2860 yuan every month.

I. Transfer procedures

1. Person-to-person: the original ID cards of the buyer and the seller; Driving license 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), the official seal of the seller and the original ID card; Driving license and motor vehicle registration certificate.

3. Unit-to-unit: organization code certificate of the buyer and seller (original/within the validity period of annual inspection), official seal and ID card of the seller's unit manager; Driving license 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; Driving license and motor vehicle registration certificate.

5. If the buyer is a foreign individual, the vehicle needs to be settled and a temporary residence permit is required; If the buyer is a foreign unit, the vehicle needs to be settled in Jinan, and it can be left 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 (expired replacement) shall be provided when handling the transfer filing; Vehicle driving license and motor vehicle registration certificate; Purchase tax book.

Second, the transfer fee

1, 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 second-hand car, you should first know what brand and model this second-hand car is, and then inquire about the latest market price of this second-hand car (here refers to the actual sales price of the new car, not the market guidance price of the new car). If you don't have a new car of the same model as the used car you want to buy, you can take this closest new car of the same brand as a reference.

2. The depreciation rate is preliminarily estimated, and the age of the car is calculated based on the time when the new car is licensed. 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 repaid by mortgage?

Of course, the dealer will appreciate it.

Have you ever heard the saying that cutting meat with a blunt knife is painless?

Many of the finance of used cars are small loan companies, and the operation is 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 ask someone to borrow some, don't mortgage the used car.

Used cars are incomprehensible to ordinary people, and finance is even more chaotic to most people. The two are superimposed, brother, okay?

I am Dong Dongqiang, a senior practitioner in the automotive industry, focusing on the topic of users buying cars, using cars and used cars. Welcome to pay attention to my question and learn more.