Of course you can apply. The application conditions are as follows: first, you must have the ability to pay the down payment. Second-hand car down payment 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.
2. What are the procedures for foreigners to buy used cars in Shenyang?
Foreigners need to meet the following requirements when handling loans:
The lender is a China citizen with full capacity;
The loan unit has the ability to repay the loan;
The lender needs to provide three months' bank bills, water and gas bills, etc.
Other loan materials required by banks or lending institutions.
Third, Shenyang personal used car publishing platform?
There are many others, such as North Second-hand Car Network, Shenyang Second-hand Car Network, Car and Car Second-hand Car Network and so on.
Among them, the North Second-hand Car Network is one of the well-known platforms, providing relatively perfect services, including second-hand car trading, replacement, loans and other businesses.
Shenyang second-hand car network is also a well-known website with good user experience and free second-hand car publishing service.
Second-hand car is a national platform with wide coverage and rich sources, but it needs to charge a certain service fee.
In short, when choosing a used car publishing platform, you need to choose it reasonably according to your own needs and budget.
4. Can I get a loan for a used car?
can
Used car loan process
In fact, the process of second-hand car loan is similar to that of new car loan. The difference is that according to the requirements of SAIC General Finance Company, only second-hand cars with a kilometer less than1.20 thousand kilometers and a car age of no more than five years can be loaned. The down payment ratio of used car loans is 50%, the longest loan period is 3 years, and the shortest loan period is not less than 13 months. In addition, the service life of the car plus the loan life is no more than 6 years. "After the pre-loan data is reviewed, the original motor vehicle registration certificate will be passed to the auto financing company, and the auto financing company can lend after confirmation. It only takes a few working days to drive home. " The staff said.
Since 2004, many auto finance companies, such as General Motors, Volkswagen and Ford, have entered the Shenyang market one after another, but all of them only do new car business. Wang De, head of the national marketing department of SAIC-GM Automotive Finance Co., Ltd., said: "For used cars, because of their high risk value, the evaluation of automobile" residual value "is confusing, and auto finance company 1 is afraid to intervene. Even in the face of new cars, in the past, every auto finance company only served the brands in the system. However, with the intensification of competition in the automobile market, while promoting the sound development of this system business, auto finance companies have begun new attempts. " It is understood that just before the introduction of second-hand car loans, General Motors Finance Corporation also extended the scope of new car credit services to other brands that do not belong to GM.
1 According to industry insiders, auto finance companies are looking at the huge market potential of used cars when they enter the risky used car market. Take Shenyang as an example. From June to September this year, the transaction volume of used cars reached 43,500, including 26,000 cars, up 9 1% year-on-year. In the first nine months, the proportion of passenger car loans in Shenyang has reached 10.8%. Some insiders pointed out that 1 can earn a handling fee of 3% of the vehicle price when the financial intermediary handles the loan business for 1.
The loan interest rate shall be uniformly stipulated by the People's Bank of China. Some banks or auto financing companies may adjust the loan interest rate according to the qualifications of lenders. Some auto financing companies have zero interest rate or zero handling fee loans for some models, which are limited to individual models.