Hello, can I buy a bank mortgage car?

This is a prerequisite. Regular mortgage cars can be bought, but if they are private, Tutu suggests not buying them. It's risky. When you buy this kind of mortgage car, all you have is the right to use the car, not the ownership, and you can't transfer all of it. So when you try to buy a mortgage car, you must know the source of the mortgage car.

Second, do you have any friends who know about mortgage cars? Can I buy it? What are the risks?

For most people, it is better not to buy a mortgage car, which is risky and may not be found when driving.

At the beginning of this year, I want to change trains. Considering that I only drive four or five thousand kilometers a year, I'm not going to spend too much money on it, so I began to study used cars.

After some comparison, I chose the one who claimed that there was no middleman to make the difference. As a result, after choosing the car, I paid several thousand yuan for the service, and the sales recommended to do the loan installment, insisting on not signing the full installment contract to avoid the first routine. The next day, I was going to handle the transfer, and another phone call came, saying that there was something wrong with the car and I couldn't transfer it.

At the beginning, all kinds of qualified, all kinds of no problem, dozens of tests look very formal, but as a result, there is something wrong with the important structure of the car, which shows how deep the used car water is, and the so-called tests are completely ineffective. After that, I made a lot of phone calls, and it took more than half a month to get the service fee of several thousand yuan back. Many people have encountered this situation when searching online, which is also a big routine. Used cars do have a lot of problems. This is an industry that lacks integrity, and the used car website is also unreliable and deceptive.

Later, a neighbor who was a used car recommended a mortgage car, so I also learned something about it.

First of all, the mortgage car is cheap, and you can get a car with a sales price of more than 200,000 for 70,000 to 80,000, which is very attractive.

I can't buy it for the following reasons:

1. Generally, mortgage cars cannot be transferred, and they often have debts. There may be property rights transfer in the future, and the car may be taken away.

2. Generally, there are many GPS on the mortgage car, and the installation is very hidden. Even professionals may not be able to find and dismantle them all. As long as there is GPS, the car is easy to be found, and then it may be suddenly driven away one day. If the property right is not in its own name, the police may not be able to accept it. If you accept it, you may not pursue it. If you trace it, you may not find it. If it is found, it may not be caught, and it may not be given to you again.

Some people will buy a mortgaged car, choose a relatively new one, buy it and disassemble it directly into parts, and finally sell the parts to make a small profit. This kind of person who is often suitable for professional car repair or modification can maximize the value of parts and avoid GPS in the car.

Cars are consumables, and now they are getting cheaper and cheaper. Instead of considering a mortgage car that cannot be transferred, it is better to consider a brand-new domestic car or choose a similar used car. Buy a car according to your own ability, and the price of the car should not exceed the annual family income as much as possible. There's no need to buy expensive cars to save face.

3. Can a car bought with zero down payment be mortgaged in the bank?

No, because the car with zero down payment is left, which means you only have the right to use the property. How can you mortgage a loan? be

4. Can a bank loan buy a mortgage car?

You can buy a mortgage car, but you need to let it out first. The following is more information about the mortgaged vehicles: Mortgage source: Most of the mortgaged vehicles have unknown sources and some are stolen vehicles. If you buy such a vehicle without knowing it, although it is not illegal, the purchased vehicle will be taken back or returned to the owner. Vehicle mortgage method: mortgage tools are divided into full-amount mortgage tools and non-full-amount mortgage tools. The general amount of the fully mortgaged vehicle has been paid off, but the owner is unwilling or unable to repay the money of the financial company and does not cooperate with the transfer, then the financial company will legally transfer the creditor's rights, so it is safer to buy this kind of mortgaged vehicle. Car condition: when buying a mortgage car, you must check the car condition in detail to make sure there is no serious problem with the car. In this regard, it is recommended that car owners be accompanied by professionals. GPS positioning: After purchasing the mortgage car, the vehicle should be disassembled and inspected in time. If there is GPS positioning, it must be removed as soon as possible.