In the second-hand car market, you can always hear the words from the heart of brokers: it is difficult to make money by selling second-hand cars now, so you should think of some new "ways". Some large second-hand car brokerage companies have begun to use second-hand car loans as a new way to sell second-hand cars. Among the consulting service platforms in automobile mortgage, Cheyi Loan is one of the few platforms that provide comprehensive consulting services for second-hand car mortgage, car realization, second-hand car pawn, car and financing loan. Customers can use the ownership of their own motor vehicles as collateral to obtain short-term financing with convenient, fast, flexible term and reasonable rate. At present, there are two service modes: GPS non-stop and parking.
In some second-hand car showrooms, there is a sign on the front windshield of the second-hand car, which indicates the monthly exchange amount of this car. The business staff of the brokerage company said: "Many people were not used to it before, but after a while, many people are still wondering whether it is cost-effective to buy a used car with a loan."
Insiders pointed out that there is a great demand for second-hand car credit in the market at present, especially after 2007, showing a rapid growth trend. On the one hand, the total price of used cars is low and the repayment pressure is small; On the other hand, the acceleration of automobile upgrading has met the needs of young consumer groups and business groups. It is expected that the development of second-hand car credit business will have a certain impact on the current long-term car rental business and greatly promote the brokerage and sales of second-hand cars.
● Second-hand car loans are cautious.
Judging from the information provided by the two loan companies, the risk control management of used car credit is relatively perfect and the relative pace is relatively cautious, which should accelerate the adaptation to the current market development.
First of all, the bundled cooperation with the used car market has greatly reduced the risk of non-performing loans. Both guarantee companies have entered the market and have fixed business premises. 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.
Secondly, the loan profit is low but the current scope is relatively narrow. According to manager Sun Gang of Hu Axiang used car business department of Zhongshuo Company, at present, used car loans are mainly for used cars with a total value of 800,000-800,000 yuan, and they must be made in China. This defines the scope to a certain extent. At present, some potential models with loan demand are excluded, and there are also some reasons for this consideration in the early stage of development. In the market survey, many used car companies expressed their understanding and hoped that with the business development, the risks would be well controlled and the scope would be expanded.
Finally, the loan period is as long as 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.
For the current consumer demand, the financial pressure is not great. According to the forecast, about 65,438+00% potential users will tend to borrow money to buy used cars, which is a favorable policy for the used car business.
Second, buy a used car or buy a car in installments?
Since you can save 1 10,000 a month, I suggest you save more months to buy a good car, and it is best not to buy a used car or mortgage. Let me analyze the reasons: the shortcomings of mortgage are obvious, the handling fee is high, the interest is high, and the maintenance fee should be increased every time), and the repayment should be made on time every month (troublesome)! In addition, unless you have knowledgeable friends, it is best to repair cars. Or buy a car from a trusted friend. Otherwise, you might as well not buy it. Now the used car market is too chaotic, the simplest numbers can be changed, and you can change it to tens of thousands of kilometers after running hundreds of thousands of kilometers; 2, the car that had an accident did not come out after being repaired, and a series of cars were flooded, so such cars were scrapped when they were bought back; 4, a modified car, this car base is useless when bought; 5. When the car is approaching major maintenance, it needs major maintenance after a certain mileage or years, and many parts need to be replaced. Therefore, many experienced car owners will choose to sell their cars near major maintenance, and the cost of major maintenance will be tens of thousands. Even if you buy 20,000, you actually have to raise more. ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? So, I suggest forbearance, save it. If you buy back, you can't say that you lose 20%.
Third, can I get a loan for buying a used car? Is it easy to get a mortgage?
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.
4. Can I borrow money to buy a car on a used car platform?
Buying a car is a big deal, and of course you can get a loan. I bought the car with a melon seed second-hand car loan, and the process is very simple. The most important thing is that the cost performance is particularly high.