With the gradual maturity of the concept of car buyers, due to the advantages of cheaper prices, not easy to depreciate, and large choices, used cars become the first choice for many car buyers. However, many consumers who buy used cars have discovered that compared with the three car loan schemes for new cars, the loans for used cars are rarely mentioned.
Recently, Miss Liu, the provincial capital white-collar worker, distressedly told the author: “We want to buy a compact second-hand joint-venture vehicle, but the budget is only 100,000. The car that is in good condition and that is still satisfactory is over budgeted. Can a used car be loaned?†The author visited the used car trading market located in Zhongwang Road, the provincial capital, and found that most of the vehicles that want to buy used cars need to pay the full amount. “Assessment of the price of used cars is difficult to be unified and inaccurate, and the loan threshold is high and the restrictions are too many. It is very difficult for second-hand car loans; the new car loans have many channels and the review is relatively flexible, and used cars are really troublesome.†used car dealer Li told author. However, when I visited the used car trading market, I also found that some used car dealers shouted slogans that could be staged. Why?
In response to this situation, the author consults the person who is responsible for the loan as a car buyer. It is understood that at present, the second-hand car loans of the provincial capital are mostly borrowed from non-bank financial institutions or used for credit card installments, and it is seldom possible to directly lend to banks like new car loans. Even if it is borrowed from banks, most of them are not bank-specific second-hand car loan business. Later, when the author consulted with several banks of the provincial capital, it was found that the condition of used cars, such as their age, driving range, and whether they had a major accident, were generally more demanding. The materials that must be provided at the time of application were also more tedious and qualified. The loan amount is also generally lower than that of the new car, and some even have to use the real estate as collateral. Otherwise, even if they have the above conditions, they cannot borrow money. In this regard, the internal staff of a bank’s credit department frankly stated that because the value of the used car itself is not high, the mortgage value is not significant. If damage occurs during the loan period, even if the vehicle is recovered, it is not of much use, and the depreciation rate of the used car is faster than The repayment rate is faster, and credit risk is higher overall, so the enthusiasm of banks is generally low.
At present, the second-hand car assessment is mostly for businesses themselves, and there is no third-party organization to participate in the valuation. The fairness and reasonableness of the appraisal are difficult to guarantee; the prices of different appraisals have some discrepancies, and they also cause problems for the used car loans; the used car pricing can only be Moving up and down the basis of new car prices, such depreciation rates have drastically reduced the profits of loans, which has seriously affected the development of credit business. It is precisely for this reason that the credit agencies have kept away from the used car loan business. Take VAST Sagitar on the market in 2011 as an example. The price difference between different used car dealers is estimated to be more than 10,000 yuan. Uncertain evaluation of the price has caused banks to have no unified and reliable reference standards. The risk of loans has increased and the difficulty of operation has increased.
According to the author's understanding, in addition to traditional banks and some conventional non-governmental financial institutions, loans from auto finance companies have become an emerging way of car loans. The term "auto finance company" refers to a non-bank financial institution established under the approval of the China Banking Regulatory Commission, a financial institution affiliated to a car manufacturer, and providing financial services to car buyers and sellers in China. The auto finance companies that have been stationed in China are: Shanghai General Financial Co., Ltd., Toyota Motor Finance (China) Co., Ltd., and Volkswagen Finance (China) Co., Ltd. With the intensified competition in the automotive market, there will be more auto finance companies stationed in China.
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