The full amount100000 bought a car. How much can a mortgage loan be borrowed from a bank? How much is the interest? How to return it?

1. Full amount100000 bought a car. How much can a mortgage loan be borrowed from a bank? How much is the interest? How to return it?

Depending on the credit, it is generally about 80% of the second-hand value.

The repayment method is 36 installments. Baizehui is engaged in pledge and recovery.

The cost is transparent and the cycle is flexible.

2. I bought a car in full100000. How much can a mortgage loan be borrowed from a bank? How much is the interest? How to return it?

You can borrow up to 70,000 to 80,000 yuan, and the interest depends on the requirements of the lending institution. But banks generally don't accept car mortgage. You can apply for car mortgage from other lending institutions such as small loan companies. Repayment methods are divided into equal principal and interest repayment and equal principal repayment. Automobile mortgage obtains loans from financial institutions or automobile consumption loan companies through monthly repayment, with the borrower's or a third party's car or self-purchased car as collateral. At present, the main purpose of loans secured by automobiles is automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The following specific analysis: First, the automobile mortgage loan amount of 65,438+10,000 yuan can only be given after the financial institution evaluates it. Under normal circumstances, the amount of mortgage loan with a car is about 50-80% of the car price. In other words, a vehicle with 6.5438+10,000 yuan can borrow 50,000-80,000 yuan. But generally speaking, because of the rapid depreciation of vehicles, the probability of traffic accidents is also greater. Therefore, most banks will not take vehicles as the only collateral, and generally require additional collateral. The life of automobile mortgage is relatively short, generally around 1 to 3 years. Because cars are easy to depreciate, the value of cars decreases with the increase of car age, and cars are also prone to traffic accidents, so the loan period will be much shorter than that of real estate mortgage loans. 2. What are the requirements for applying for automobile mortgage? 1. The borrower needs to have a stable occupation and income, and have car ownership in the place where the loan is made. 2. Have the idea of living and working in the borrowing city for a long time, and provide proof of occupation and economic income. 3. During the loan process, you need to bring motor vehicle registration certificate, driving license, purchase additional tax certificate (original), car purchase invoice, insurance policy, travel tax, tax certificate related to imported vehicles, ID card and other materials. Third, the influencing factors of automobile mortgage Some lending institutions can borrow up to 90% of the appraised price. And some lending institutions can only borrow 50% of the evaluation price. Generally speaking, the appraisal agency is responsible for the appraisal price of the car, and the mortgage rate is determined according to the credit information and repayment ability of the borrower. The mortgage rate of cars is around 60%. For example, a new car with a naked car of 200,000 yuan is valued at 1.5 million. According to the mortgage rate of 60%, only 90,000 yuan can be loaned. The type of car will also affect the quota in automobile mortgage. For example, for operating a car, the loan amount cannot exceed 70% of the appraised price, for personal use of a car, the maximum loan amount cannot exceed 70% of the appraised price, and for second-hand car mortgage loan, the loan amount is determined by the appraised price. The above is about the legal knowledge about the amount of 654.38 million auto mortgage loan and how long it can be borrowed. To sum up, we can know that the automobile mortgage loan of 6,543.8+10,000 yuan needs to be evaluated by financial institutions before it can be granted. Under normal circumstances, the amount of mortgage loan with a car is about 50-80% of the car price.

Suppose you buy a new car with a price of100000 and mortgage it to the bank. How much can I borrow?

You can get a loan up to 80% of the car price. The higher the loan, the higher the interest. A car doesn't have much money, so you might as well borrow some.

How much is the car interest of 465438+10,000?

The annual interest rate is 5.31%; The loan is 654.38 million yuan, and the annual interest payable is =100000× 5.31%= 5310.00 yuan. The annual interest rate is 5.40%, and the loan is 6,543,800 yuan for three years.

Loans to buy a car in a 4s shop generally require a handling fee. Because of the procedures of vehicle mortgage and insurance, the handling fees included in the loan are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance and license fee. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.

Attachment: details of car loan expenses:

1, car down payment (generally 40% of the car price, which can be appropriately relaxed to 30% for high-income customers of institutions or large companies).

2, new car insurance costs (including compulsory insurance, third party liability insurance, vehicle loss insurance, car theft insurance, seat insurance, spontaneous combustion insurance).

3. Notarial mortgage fee 800 yuan (notarization of vehicle mortgage).

4. Licensing fee 300 yuan (if you apply for licensing, you can choose to apply for exemption yourself).

5. Vehicles with a performance bond of less than 300,000 yuan will be charged 3,000 yuan (the money will be fully refunded after the mortgage is completed).