Nowadays, there are more and more cars in the society. Many people want to use their cars as collateral when applying for loans. So, what used car mortgage websites are there? I'm here to introduce the relevant content, hoping to help you.
1, Alipay Auto Finance
Alipay Auto Finance is an auto mortgage financial loan under Alipay, which is used for auto mortgage consumption. Applicants should be 18-60 years old and have good personal credit; The vehicle is in my name, and the vehicle age is more than 3 months and less than 8 years.
2, auto insurance e pay
Auto insurance electronic payment is the consumer finance in Yin Bei, which is dedicated to serving friends who own private cars. You can purchase the auto insurance you need through Yin Bei Consumer Finance Auto Insurance E without providing any mortgage or guarantee.
The loan interest rate paid by auto insurance e is determined according to the borrower's comprehensive credit situation. The annualized loan interest rate can be as low as 0% and as high as 0%. Everyone needs to pay the account management fee and installment fee. Generally speaking, the monthly rate of account management fee and installment fee is between 0%.
3. Owner's loan
Car owner loan is a loan product specially designed for car owners under Ping An Pratt & Whitney. It is said that 3 yuan can borrow 1 10,000 every day. Interest is based on the recognition of personal data, which is related to the user's credit information, income, vehicles and assets. The better the personal qualification, the lower the interest will be. Remember never to be overdue. The next loan will increase the loan interest, which is very uneconomical.
The above is the answer about "What are the websites of second-hand car mortgage loan".
How to get the most cost-effective loan for used cars?
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 second-hand 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.
Is it cost-effective to buy a second-hand car loan leased by Ping An?
Buying a used car loan from Ping An Leasing is cost-effective. According to public information, the interest rate of Ping An car rental loan is not high. The annual interest rate of Ping An car rental loan is around 20%, not exceeding 36%, so it is within the legal scope.
Which bank do you want to borrow money from to buy a used car?
You can go to China Industrial and Commercial Bank, China Agricultural Bank and China Bank.
1. The bank's traditional car loan, its car loan interest rate is quite low. You can go through the car purchase agreement, loan procedures and then buy a car at the billing sales company. In some areas, the car was mortgaged first, bypassing the car dealers. Bank car loans can cover all mainstream brands and models.
2. To buy a used car in the used car market, you can get a loan from a bank or an auto financing company. Buying a second-hand car with a loan will have various high fees, such as loan fee, evaluation fee, GPS fee and higher interest. After paying off the loan in this way, the total cost will be much more than the actual amount, and some even stipulate that if the monthly payment is not paid on time, a penalty will be paid.
3. In terms of cost, the down payment of bank car loan is basically 30% of the car price, and the loan period is generally three years, which can be extended to five years for a few high-quality customers. The benchmark interest rate is 6.56% for one year, 6.65% for two years, 6.65% for three years, 6.9% for four years and 6.9% for five years. You see, 2003 is the same as 405. What is more special is that the interest rate is not fixed, and the bank car loan interest rate will fluctuate on the basis of the central bank's personal loan benchmark interest rate. Usually it is between negative 10% and positive 30%, depending on whether the customer belongs to the bank's quality customers. However, compared with other car loan channels, bank car loan is basically the lowest and most stable way of loan interest rate.
1. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
2. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal paid by the bank to consumers, that is, borrowers, for purchasing self-use cars (non-profit family cars or commercial cars with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
3. Generally, the loan period for automobile consumption is 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
Where does the second-hand car loan come from?
You can go to China Industrial and Commercial Bank, China Agricultural Bank and China Bank.
The bank's traditional car loan, its car loan interest rate is quite low, you can buy a car after the billing sales company handles the car purchase agreement and the loan procedures. In some areas, the car was mortgaged first, bypassing the car dealers. Bank car loans can cover all mainstream brands and models.
auto loan
1. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
2. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal paid by the bank to consumers, that is, borrowers, for purchasing self-use cars (non-profit family cars or commercial cars with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
3. Generally, the loan period for automobile consumption is 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
I. Application conditions
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
Second, the application materials
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other materials required by banks or lending institutions.
Third, matters needing attention
First, not all used cars can apply for loans. Only the estimated price is 800,000-800,000, and the down payment is not less than 50% of the estimated price. Strictly speaking, the higher the car price, the easier it is to get a loan.
Second, it is necessary to ensure that the certificate of intent to buy a car, the seller's vehicle title certificate, the evaluation book and the annual inspection certificate of motor vehicles are in good condition, and these certificates must be presented at the time of application. It seems troublesome, but it is not. For an officially registered used car, the preparation of these materials is just handy;
Third, if the loan amount is large, you can choose real estate mortgage loan, on the one hand, the interest rate is favorable, on the other hand, the loan period is longer and the loan amount is more secure; If there is no real estate, but the car loan is urgently needed, it can also be pledged through third-party guarantee or deposit certificate, insurance policy, national debt, etc.
What are the second-hand car loan platforms?
Nowadays, various used car trading platforms are developing very rapidly. Many second-hand dealers said that more than 40% of buyers may need loans, and the proportion of loans to buy second-hand luxury cars is much higher than that of ordinary brands. Buying a used car with a loan is really a good way to buy a car, especially for young people. Loan consumption has become the mainstream way to buy a car, which is beneficial to the long-term planning of funds while alleviating short-term pressure. So what are the used car loan platforms?
1. Renren car: As a C2C platform, the minimum down payment for Renren car is 30% (the interest is about 5%-6%), and social security needs to be paid in a company for more than half a year. The minimum loan amount is 20,000, with no upper limit. Moreover, personal income within half a year and personal credit records within one year should be checked. If there are two bad credit records within one year, no approval or loan will be granted.
2. Used car of melon seeds: The down payment ratio of used car loan of melon seeds, which is also a C2C platform, is also 30%, and the loan amount ranges from 1 10,000 to 500,000. Generally, you can get the loan in 3 to 5 working days. The most distinctive point is that melon seeds used cars have launched a 20% down payment business. However, the requirements for this 20% down payment review are relatively strict, requiring civil servants or employees of Fortune 500 companies to apply.
3. Have a second-hand car: Different from everyone's car, the down payment ratio of a second-hand car is 50%, and the repayment methods are "monthly payment" and "no monthly payment". The annual interest rate of monthly payment is about 6.6%. If you don't choose monthly payment, you must pay off the principal and interest when the contract expires. If repayment is made in advance, a penalty of 3% will be required.