Of course. To apply for a second-hand car loan, we must first meet several conditions: first, we must have the ability to pay the down payment, which is relatively high, generally 50% of the car price; In addition, it is to choose a bank or auto financing company that can handle second-hand car loans; In addition, the service life of the purchased second-hand car should not be too long, not more than 5 years, and it can only be transferred once, and the mileage of the vehicle is within 6.5438+0.2 million kilometers. As long as the documents are complete and meet the requirements of the bank, the purchase of used cars can also be realized by means of loans. : car loan channel 1. Auto financing company: The biggest advantage lies in convenience and low threshold. Companies are generally founded by car companies. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that there are no requirements for hard conditions such as hukou and real estate. 2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it. 3. Bank car loans, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is a wide range of choices. Car buyers can go directly to the bank to apply for personal car consumption loans after they take a fancy to the models. However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks are open to high-end customers or high-end models, and the car itself can be used as a mortgage. However, compared with other car loan methods, the time period for approval is very long. In terms of loan interest rate, the auto mortgage interest rate generally rises by about 10% on the basis of the benchmark bank loan interest rate in the same period. Most car loan businesses need guarantee companies to guarantee or buy car guarantee insurance, and car buyers also need to bear 2.5% to 3% guarantee fees. When all procedures are added up, the comprehensive cost of bank car loan is the highest among the three ways. The repayment method can be one-time repayment of principal and interest and installment repayment (equal principal and interest, equal capital). One-time repayment of principal and interest, also known as one-time repayment of principal and interest at maturity, means that the borrower does not repay the principal and interest on a monthly basis during the loan period, but pays the principal and interest at one time after the loan expires. Recently, the People's Bank of China issued a personal housing loan with a term of 1 year (including 1 year), which adopted this method. At present, the bank stipulates that the loan period is within one year (including one year), so the repayment method is a one-time repayment of principal and interest, that is, the principal of the initial loan plus the interest of the whole loan period. The calculation formula of lump-sum debt service method is: lump-sum debt service amount = loan principal ×[ 1 annual interest rate (%)] (loan term is one year) = loan principal ×[ 1 monthly interest rate (‰) × loan term (month)] (loan term is less than one year), where: monthly interest rate = annual interest rate. The lump-sum principal and interest payment is: 10000 yuan× [1(4.14% ÷ 65438+February )× July ]= 1024 1.5 yuan. Matching principal and interest refers to a repayment method of housing loans, that is, repayment. The calculation formula of monthly repayment amount is as follows: [loan principal × monthly interest rate ×( 1 interest rate) repayment months] [(1interest rate) repayment months-1] Average capital divides the total loan amount evenly during the repayment period, and repays the same amount of principal and the interest generated by the remaining loans in the month every month. Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate and low interest rate: if the loan is 6.5438+0.2 million yuan, the annual interest rate is 4.86%, the repayment period is 10 year, and the equal principal and interest is 15650 years later.

2. Can I get a loan for buying a used car? How many years at most? What's the procedure?

You can also get a loan to buy a used car. The valuation of this car is between 800,000 and 800,000. There are requirements for buying a used car loan. The longest loan period for a used car is three years, and the car is not more than seven years. Moreover, the borrower must pay more than 50% down payment.

Materials and procedures: I have to buy an ID card, and my family income must be twice the monthly repayment), a marriage certificate, a marriage certificate and a spouse's certificate. You can go directly to the bank.

Extended data:

Five transfer points:

First, the production certificate should have the stamp number, engine number and registration date on the legal production certificate, which are all points that need special attention. Except for alteration marks, the appearance of alteration marks can basically be equated with trading traps.

The second is the tax bill of the original car. Some cars have not paid the purchase tax, and they need to pay the purchase tax after the transfer. This is a huge expenditure, so it is necessary to determine who will pay it.

Third, road maintenance fees can be drilled, as long as you pay attention to the payment voucher, which clearly records the duration of road maintenance fees, you can avoid it. (Now the road maintenance fee has been cancelled)

Fourth, the insurance transfer should be handled in a timely manner to avoid unnecessary numbness when making claims.

Five, the vehicle itself is mortgaged, and the supervised vehicle is prohibited from trading. Vehicle information can be inquired through the vehicle management office.

Reference link: 100

3. How to handle the second-hand car loan in Beijing? I want to get a loan to buy a used car.

The car loan applied for buying a used car is a used car loan. Car loan amount. Generally speaking, the loan amount of auto loans and self-use auto loans shall not exceed 80% of the price of the car purchased by the borrower; Commercial vehicle loans shall not exceed 70% of the purchase price; Second-hand car loans shall not exceed 50% of the price of the purchased car. Who is taking out a loan to buy a used car? In China United Automobile Trading Market and Beijing Used Motor Vehicle Trading Market, the reporter asked, "Would you like to borrow money to buy a used car?" Randomly surveyed 15 consumers who visit the automobile market. The respondents are different in age and occupation, and generally accept the idea of buying used cars, but hold different views on whether to lend. 1.70% of the respondents are willing to borrow money to buy used cars; 2. Reasons for acceptance: limited economic capacity; Buy more expensive cars with less money; You can reduce your stress by repaying the loan; Only for training or transitional use, without spending too much money; I like changing cars, which is the most cost-effective. 3. Reasons for unwilling to accept this business: one-time payment ability; I always feel unreliable; Some companies have limited car sources; 4. Consumers' hope of buying used cars with loans: whether the loan ratio can be further improved; Whether the quality of the car is better guaranteed; Whether to strengthen after-sales service. How to get a loan to buy a used car? Requirements for loan qualification: Beijing hukou, ID card and permanent residence are required. Age requirements: Generally, citizens aged 20 to 60. Income requirements: have a stable job and a stable income, and ensure the ability to repay the principal and interest of the car on time. Loan information, the identity card of the car buyer; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment amount; Two recent one-inch photos. If the buyer is married, marriage certificate and spouse certificate are required. The loan procedure is 1. Submit relevant materials to the brokerage company for preliminary examination. The down payment has been paid. 3. Select the selected vehicle type. 4. Sign a car purchase contract with the dealer and handle insurance. 5. The bank accepts and approves. 6. Vehicle-related procedures and payment of vehicle loan fees 1. The car price j of the first installment is k; 2. Mortgage registration fee. Car insurance premium. Handling fee j or deposit, credit deposit, guarantee deposit, etc.

Can I get a loan to buy a used car?

Yes, but certain conditions need to be met. Conditions to be met for handling second-hand car mortgage loan:

1. The borrower has a stable economic source and a good credit record. For a borrower who wants to apply for a second-hand car mortgage loan, the applicant must first have a stable income and good repayment ability. The applicant's credit must be good, and there is no bad record on his personal credit record. 2. The borrower is of an appropriate age and has a stable residence. The person applying for a loan must be 18-65 years old, too young or too old to apply for a loan. Finally, the applicant should have a fixed residence at the location of the branch of the lending institution. 3. The age of the car is appropriate. It is required that used cars should not be too old. Because the car is worn out, the newer the used car, the greater the possibility of obtaining a loan. Banks also stipulate that the loan period of used cars is generally 15 years. 4. The valuation of second-hand car mortgage loan vehicles is up to standard. Used cars are not like new cars. New cars are easier to get loans, but used cars are not. Under normal circumstances, financial institutions stipulate that cars with a used car price of 700,000-500,000 yuan can apply for loans. If the car price is too high or too low, it is not easy to apply for a loan. Extended data:

Bundling cooperation with the used car market has greatly reduced the risk of non-performing loans. The guarantee company enters the market and has a fixed business place. Vehicle evaluation and transaction audit are carried out for professional companies that have passed the market, especially for the quality status and process of used cars, and medieval evaluation company is designated as the only partner, which eliminates the damage caused by "false evaluation" from the source, greatly improves the accuracy of evaluation, and is very effective for bank risk control. The longest loan period is three years, which controls the generation of non-performing loans to some extent. Because the total price of vehicles is relatively cheap, the repayment pressure of users is not great, and the interest rate borne by loans is relatively low. In addition, both companies indicated that they have effective non-performing loan control and management systems, but the approval time is 5-7 working days, which may affect the rapid development of their business.