What does the car mortgage mainly look at?

1, car valuation: different users apply for mortgage loans in different cars, and car loan agencies will value the cars to judge whether to lend. The value of the car is too low to be successful. Generally speaking, the loan amount is 70%, 80% or even 60% of the car price. Suppose the car is valued at 50 thousand, then the loan can only be more than 30 thousand Different institutions have different standards for valuation, so it is best to run more institutions, compare and choose the best.

2. The nature of the car: Most institutions stipulate that only the whole car can be mortgaged, and no loan is needed. Generally, mortgage cars are not accepted. However, there are some exceptions, such as new loans under Ping An Bank. As long as the owner's personal credit is good and the car loan period has reached one year, he can get 45 times the monthly loan funds, which can be used for both driving and lending, and can provide credit support for most users.

3. Car age requirements: Car loan mortgage also requires car age. Many people have bought cars for a certain number of years, and vehicles that are too old are often difficult to realize. In principle, if the car is over 5 years old, the loan value will be much lower. Of course, it must be comprehensively evaluated according to personal qualifications and the above two reasons.