Second-hand car mortgage is divided into two parts: one part is bank interest, which is generally 4% for one year and1.5% for three years. The second is the guarantee fee, which depends on the amount of your loan.
Second, how to collect and calculate the mortgage fee for used cars?
The average person's notarization assessment fee is about 2,000 yuan, 3% of the loan amount, the door-to-door fee is about 500 yuan, and the guarantee fee is 1000 yuan.
2. If your credit information is not very good, you will also install a gps, and the cost is about 1000.
3. The calculation formula of loan interest for used cars is: monthly payment × loan term-loan amount = total interest.
4. At present, the new car loan is three years, the minimum down payment is 30%, and the total interest is 12% to 15% of the total loan.
5. For a three-year loan for used cars, the minimum down payment is 50%, and the total interest exceeds 20% of the total loan.
Extended data
The second-hand car mortgage loan process can be divided into the following steps:
1. Car buyers go to bank outlets for consultation.
Car buyers go to the bank's business outlets for consultation, and the outlets recommend special dealers who have signed cooperation agreements with the bank on second-hand car consumption loans.
2. Go to the dealer to choose the used car to buy and sign a car purchase agreement with the dealer.
Go to the dealer to choose the used car to buy, sign a car purchase agreement, and make clear the model, quantity and color.
3. Apply for a loan at a bank outlet.
The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender.
4. Banks audit user credit.
The bank shall notify the car buyers within fifteen working days after accepting the loan application, and sign a loan contract for second-hand car consumption with the borrowers who meet the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different banks). If the user does not meet the loan conditions, the bank will return the application materials to the applicant.
5. Sign loan and guarantee contracts.
If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee methods and corresponding procedures:
(1) If the user provides a third party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company can also provide a joint and several liability performance guarantee or the bank can provide a letter of guarantee.
(2) The user should sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal agency, and the bank and mortgagor shall go through the mortgage registration at the county real estate registration office where the house is located, and the contract will take effect after obtaining the property right certificate. If it is a pledge guarantee, the pledge contract will take effect after the title certificate is handed over to the bank.
(3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time.
(4) If the purchased second-hand car is used as collateral, the bank will issue a loan notice to the special dealer. After the purchased second-hand car is licensed, the bank will go to the vehicle management office for mortgage registration.
6. The bank issues loans, and the user handles vehicle insurance and picks up the car.
After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank. After the customer goes through the formalities of property insurance, the bank issues loans. The types of insurance include: vehicle loss insurance, third party liability insurance, burglary insurance and spontaneous combustion insurance. All kinds of insurance period shall not be shorter than the loan period.
7. Customers repay on time
The customer repays the principal and interest on a monthly or quarterly basis.
Third, how to calculate the handling fee for mortgage cars?
ask
4. How to calculate the transfer and formalities of used cars?
First, the second-hand car transfer fee standard
Second-hand car transfer fees is mainly collected according to the displacement and year, and different charging standards are adopted according to the types of cars, off-road vehicles, buses and trucks, as well as different displacement ranges and load ranges.
The transfer fees of used cars are basically the same everywhere. The lowest transfer fee is in 200 yuan, and the highest transfer fee is in 800 yuan. Among them, 200 yuan with a displacement below 1.0L-1.9l, 400 yuan with a displacement below/.9l, 600 yuan with a displacement of 2.0L-2.9L and 800 yuan with a displacement above 3.0L will fluctuate with the relevant policy documents, but the fluctuation will not be great.
Second, the transfer fee algorithm:
Take the manual payment of Bora 1.8 as an example. According to the charging standard, the starting price is 1400 yuan, and the lowest price is 300 yuan. During the period of 15 years, the average annual decrease of transfer fee is (1400 yuan -300 yuan) ≈ 15 years ≈75 yuan.
Due to the high depreciation rate in the first three years and the middle-aged depreciation rate of the transfer fee of 1.20 yuan, the transfer fee in 2002 was: 1.400 yuan -3 years × 1.20 yuan = 1.040 yuan. The depreciation rate of vehicles with more than three years is decreasing, and the annual transfer fee is about 100 yuan, so the transfer fee of vehicles with 200 1 is: 1400 yuan -3 years × 120- 100 yuan =940 yuan. And so on.
Third, matters needing attention in the transfer of used cars
1, seller's ID card
By checking the identity card of the seller, it can be judged whether the seller has the right to use and control the motor vehicles he sells.
2. Motor vehicle driver's license
At this time, the motor vehicle has obtained the certificate of legal driving right.
3. Vehicle registration certificate
Every car on the road will be registered at the local vehicle management office, and if necessary, you can call the vehicle management office for verification.
4. Certificate of origin of motor vehicles
It's the original car purchase invoice.
5, motor vehicle number plate
Check whether there are any traces of smearing changes, which should be consistent with the number plate registered on the driving license.
6. Number of frames
Usually engraved on the dashboard of the vehicle, it should be consistent with the number registered on the driving license.
7. Insurance policy
Only the insured car can minimize the loss of the owner in the event of a traffic accident.
8. Road transport certificate
If it is an operating vehicle, it is necessary to check whether there is a road transport permit.
9. Certificate of tax payment
Be sure to check the tax payment vouchers of purchase tax, vehicle and vessel use tax and other taxes.
Extended data:
I. Transfer procedures
Seller: Owner's ID card, vehicle registration certificate, vehicle travel book, original car purchase invoice (transfer ticket if there has been any transfer before).
If the seller is a unit, the original organization code certificate and official seal are required.
Buyer: ID card. Foreigners need a temporary residence permit within the validity period to get a local license. (Some cities turn to residence permits, and you can hang the public security network! )
If the buyer is a company, the original organization code certificate and official seal are required.
Original purchase invoice or last transfer invoice of the vehicle. (It is needed before 20 12, but not in most cities after 20 12. )
Original vehicle driving license.
Vehicle registration certificate (large green copy).
A small amount of purchase tax is required to move out (red before 200 1 and green after 200 1). (It is needed before 20 12, but not in most cities after 20 12. Unless the autonomous region, not necessarily. )
Take all the above procedures to the used car transfer hall.
Both parties: sign a contract for the sale of used cars.
Take all the above procedures to the used car transfer hall.
Second, the transfer fee
1, charging standard
The fair price of used cars in the transfer fee is mainly charged according to the displacement and year, and different charging standards are adopted according to the types of cars, off-road vehicles, buses and trucks, as well as different displacement ranges and load ranges.
The transfer fee of used cars in Beijing is almost the same, with the lowest transfer to 200 yuan and the highest transfer to 800 yuan, including 200 yuan with a displacement below 1.0L, 400 yuan with a displacement below1.9l, 600 yuan with a displacement between 2.0l and 2.9l, and 800 yuan with a displacement above 3.0l. ..
2. Charging algorithm
Take the manual payment of Bora 1.8 as an example. According to the charging standard, the starting price is 1400 yuan, and the lowest price is 300 yuan. During the period of 15 years, the average annual decrease of transfer fee is (1400 yuan -300 yuan) ≈ 15 years ≈75 yuan. Due to the high depreciation rate in the previous three years, the annual depreciation rate of the transfer fee is 120 yuan.
Then the model transfer fee in 2002 is: 1400 yuan -3 years × 120 yuan = 1040 yuan. The depreciation rate of vehicles with more than three years is decreasing, and the annual transfer fee is about 100 yuan, so the vehicle transfer fee in 2003 is: 1400 yuan -3 years × 120- 100 yuan =940 yuan. And so on.
Third, the handling process
1. After coming to the transfer hall, present relevant materials to receive a sales contract for used motor vehicles in XX, and both parties fill in the information separately. After filling it out, you can go through the "transfer acceptance" with all the above information.
2. Drive the car directly to the vehicle inspection office, and the staff will inspect the car, extend the number, remove the license plate, take photos of the car, and pay 35 yuan the registration fee. Take photos of the vehicle and post them on the inspection record. After all this is done, you can park your car in the parking lot and go through the formalities in the transfer hall.
3. After the numbering machine takes the number, it shall pay the transfer fee with the relevant materials. The transfer of used cars is determined by the displacement and service life, and the cost varies from 180 yuan to 980 yuan.
Among them, the displacement below 1.0L is about 200 yuan, that below 1.0L- 1.9L is about 400 yuan, that below 2.0L-2.9L is about 600 yuan, and that above 3.0L is about 800 yuan. The longer the car, the cheaper the transfer fee. In addition, the trading market of transfer fees is slightly different.
4. Transfer acceptance: the required materials include motor vehicle registration, transfer, cancellation registration form/transfer application form, inspection record form, original registration certificate, original driving license, original owner's ID card, original license plate number, vehicle photo and transfer invoice in the trading market.
5. The owner returns to the local vehicle management office that wants to come to the door with relevant files, pays the full amount and goes through the licensing procedures for the vehicle.