貸款買車最多能貸多少需要什麼條件

① 鏂拌濺璐鋒懼彲浠ヨ捶澶氬皯騫達紵

杞﹁捶鏈闀挎椂闂村彲浠ヨ捶鍑犲勾

涓鑸鏉ヨ達紝奼借濺璐鋒劇殑鏈熼檺鍙浠ュ垎涓猴細6鏈熴12鏈熴24鏈熴36鏈熴48鏈熷拰60鏈熻繖6縐嶆湡闄愶紝鍏朵腑鏈闀挎湡闄愪笉浼氳秴榪60鏈燂紝涔熷氨鏄5騫存椂闂達紝鎵浠ヤ粠鐩鍓嶇殑甯傚満鎯呭喌鏉ヨ達紝杞﹁捶鏈闀垮彲浠ヨ捶嬈5騫淬

涓嶈繃鐢變簬璐鋒炬椂闂磋秺闀匡紝娑堣垂鑰呮墍闇瑕佺即綰崇殑鍒╂伅灝辮秺澶氾紝鍥犳ゅ氨綆楅摱琛屽拰閲戣瀺鏈烘瀯鍙浠ユ彁渚5騫磋捶嬈炬湇鍔★紝浣嗗緢澶氫漢鍦ㄦ潈琛′箣涓嬩緷鏃ч夋嫨浜嗘渶淇濆畧鐨3騫36鏈熺殑璐鋒句笟鍔°

鎷撳睍璧勬枡錛

杞﹁捶5騫撮渶瑕佷粈涔堟潯浠訛紵

1銆佽捶嬈劇敵璇蜂漢蹇呴』騫存弧18鍛ㄥ瞾錛屽叿澶囧畬鍏ㄧ殑姘戜簨琛屼負鑳藉姏銆

2銆佸繀欏昏兘澶熸敮浠樿喘杞﹂栦粯嬈撅紝騫朵笖鍙栧緱璐杞﹀悎鍚屻

3銆佸叿澶囪壇濂界殑璇佷俊璁板綍錛屾棤鍏朵粬杞﹁捶閫炬湡淇℃伅銆

4銆佹湁紼沖畾鐨勬敹鍏ユ潵婧愶紝鑳芥寜鏃惰繕嬈俱

5銆佹嫢鏈夊悎娉曡韓浠借瘉鏄庯紝閮ㄥ垎鍦版柟榪樿佹眰鎶墊娂鐗╁搧錛屾垨鎴誇駭璇佹槑絳夈

6銆佽兘絎﹀悎褰撳湴鏀跨瓥婊¤凍鐨勫叾浠栬勫畾銆

杞﹁捶鐢寵鋒ラ

1銆佸悜閾惰屾彁鍑虹敵璇峰苟濉鍐欑浉搴旂敵璇瘋〃錛岃繕瑕佹彁浜ょ敵璇瘋祫鏂欙紝鏈夎韓浠借瘉銆佹敹鍏ヨ瘉鏄庛佹埧浜ц瘉銆佹埛鍙ｆ湰銆佸叾浠栫浉鍏寵捶嬈懼悎鍚岀瓑銆

2銆佸℃牳閫氳繃鍚庯紝鍙浠ョ捐㈠熸懼悎鍚屽拰鎷呬繚鍚堝悓錛屽傛灉鎯蟲洿鏈変繚闅滅殑錛屽彲浠ュ姙鐞嗙浉鍏沖叕璇佸苟鍋氬ソ鎶墊娂鐧昏版墜緇絳夈

3銆侀摱琛屾垨閲戣瀺鏈烘瀯鍐嶆＄『璁ゆ棤璇鍚庡垝嬈撅紝嬈鵑」浼氳漿鍒頒釜浜虹害瀹氱殑璐︽埛涓娿

4銆佺劧鍚庨渶瑕佹寜鐓у悎鍚岃勫畾鏃墮棿鍐呰繕嬈撅紝褰撶劧涔熷彲浠ユ彁鍓嶇粨娓呭交娓呰濺璐鳳紝浣嗕細鏀跺彇涓瀹氱殑榪濈害閲戙傚逛簬杞﹁捶瓚呰繃3涓鏈堟病榪樹笂錛屾湁鍙鑳戒細琚褰曞叆寰佷俊緋葷粺錛岄亣鍒頒弗閲嶇殑鎯呭喌錛岃繕鏈夊彲鑳借鍛婁笂娉曢櫌錛屽皢杞﹁締鎷栬蛋鍚庢媿鍗栵紝鎷嶅崠鎵寰楀皢鐢ㄤ簬鎶靛恆

5銆佸湪瑙勫畾鏃墮棿鍐呯粨娓呰濺璐峰悗錛岄渶瑕佸甫涓婃湁鏁堣瘉浠跺埌閾惰屾垨鎶墊炬満鏋勯嗗洖緇撴竻鍑璇佸拰鍏朵粬鎶墊娂璇佹槑錛岃繕瑕佸埌鍘熸姷鎶肩櫥璁伴儴闂ㄥ姙鐞嗘姷鎶肩櫥璁版敞閿鎵嬬畫銆

杞﹁捶渚嬪瓙

1銆佷互涓杈10涓囧厓宸﹀彸鐨勮嬌杞︿綔涓轟緥瀛愶紝鍏堟敮浠3鎴愰栦粯嬈撅紝鍗3涓囧厓銆備絾瀹為檯涓婅捶嬈懼氫箙涓昏佺湅涓浜虹殑榪樻捐兘鍔涳紝濡傛灉姣忔湀鎷垮嚭涓閮ㄥ垎閽變笉浼氬簲鍒板埌鐢熸椿璐ㄩ噺錛岃繖鏃跺欒偗瀹氶夋嫨鏈熼檺瓚婄煭瓚婂ソ錛屾瘯絝熻捶嬈炬湡闄愰暱浜嗭紝鏈緇堟昏姳璐瑰彲鑳芥瘮鍏ㄦ句拱杞﹀氬彂涓涓囧厓銆

2銆佸啀浠ヨ濺璐10涓36鏈熷埄鎮涓轟緥錛10涓囧厓鐨勬敹浠樿垂鍦7000鍏冨乏鍙籌紝鍙﹀栬繕鏈夊叾浠栫即璐歸」鐩錛屾瘮濡備繚闄╁強寤朵繚銆佽喘緗紼庛佷笂鐗岃垂絳夈傚傛灉鍦4s搴楁姇淇濊嚦灝戦渶瑕6000鍏冿紝鑰岃喘緗紼庡垯闇瑕8500鍏冨乏鍙籌紝涓婄墝璐瑰垯闇瑕350鍏冦

鏈鍚庡啀琛ュ厖涓涓嬶紝杞﹁捶鍒╃巼鏄鏍規嵁璐鋒句漢寰佷俊銆侀栦粯姣斾緥銆佷互鍙婁紭鎯犳椿鍔ㄧ瓑紜瀹氭渶騫寸巼浜嗭紝褰撶劧榪欎釜騫村埄鐜囪繕鍙楄捶嬈懼勾闄愬簲褰卞搷錛屼絾涓鑸鎯呭喌鏄閮芥槸浼氭牴鎹澶琛屽熀鍑嗗埄鐜囩殑4%-7%嫻鍔ㄣ

涔版柊杞﹁捶嬈懼彲浠ヨ捶鍑犲勾

杞﹁捶鐨勬湡闄愪竴鑸鍦3騫村乏鍙籌紝浣嗘槸涓嶄細瓚呰繃5騫淬傚湪鐢ㄦ埛鍔炵悊杞﹁捶涔嬪墠錛岄栦粯閫氬父闇瑕佹敮浠樹笁鎴愪互涓婏紝鎵嶅彲浠ュ姙鐞嗚濺璐楓傚湪璐鋒懼埄鐜囨柟闈錛屾寜鐓уぎ琛岃勫畾錛屾苯杞﹁捶嬈懼悓鏍鋒墽琛岃捶嬈懼熀鍑嗗埄鐜囷紝浣嗘槸錛屽悇澶ч噾鋙嶆満鏋勫彲浠ュ湪鍩哄噯鍒╃巼涓婅繘琛屼竴瀹氳寖鍥寸殑嫻鍔ㄣ備竴鑸錛屾潯浠朵紭縐鐨勫㈡埛鍙浠ヤ韓鍙楀熀鍑嗗埄鐜囨垨鑰呬笅嫻10%宸﹀彸錛屾櫘閫氬㈡埛鍒欓渶瑕佸湪鍩哄噯鍒╃巼鍩虹涓婁笂嫻10%宸﹀彸銆

鎷撳睍璧勬枡

璐鋒懼埄鎮璁＄畻甯歌瘑

錛堜竴錛変漢姘戝竵涓氬姟鐨勫埄鐜囨崲綆楀叕寮忎負錛堟敞錛氬瓨璐烽氱敤錛夛細

1.鏃ュ埄鐜囷紙0/000錛=騫村埄鐜囷紙%錛壝360=鏈堝埄鐜囷紙鈥幫級梅30

2.鏈堝埄鐜囷紙鈥幫級=騫村埄鐜囷紙%錛壝12

錛堜簩錛夐摱琛屽彲閲囩敤縐鏁拌℃伅娉曞拰閫愮瑪璁℃伅娉曡＄畻鍒╂伅銆

1.縐鏁拌℃伅娉曟寜瀹為檯澶╂暟姣忔棩緔璁¤處鎴蜂綑棰濓紝浠ョ瘡璁＄Н鏁頒箻浠ユ棩鍒╃巼璁＄畻鍒╂伅銆傝℃伅鍏寮忎負錛

鍒╂伅=緔璁¤℃伅縐鏁懊楁棩鍒╃巼錛屽叾涓緔璁¤℃伅縐鏁=姣忔棩浣欓濆悎璁℃暟銆

2.閫愮瑪璁℃伅娉曟寜棰勫厛紜瀹氱殑璁℃伅鍏寮忓埄鎮=鏈閲懨楀埄鐜嚸楄捶嬈炬湡闄愰愮瑪璁＄畻鍒╂伅錛屽叿浣撴湁涓夛細

璁℃伅鏈熶負鏁村勾錛堟湀錛夌殑錛岃℃伅鍏寮忎負錛

鈶犲埄鎮=鏈閲懨楀勾錛堟湀錛夋暟脳騫達紙鏈堬級鍒╃巼

璁℃伅鏈熸湁鏁村勾錛堟湀錛夊張鏈夐浂澶村ぉ鏁扮殑錛岃℃伅鍏寮忎負錛

鈶″埄鎮=鏈閲懨楀勾錛堟湀錛夋暟脳騫達紙鏈堬級鍒╃巼+鏈閲懨楅浂澶村ぉ鏁懊楁棩鍒╃巼

鍚屾椂錛岄摱琛屽彲閫夋嫨灝嗚℃伅鏈熷叏閮ㄥ寲涓哄疄闄呭ぉ鏁拌＄畻鍒╂伅錛屽嵆姣忓勾涓365澶╋紙闂板勾366澶╋級錛屾瘡鏈堜負褰撴湀鍏鍘嗗疄闄呭ぉ鏁幫紝璁℃伅鍏寮忎負錛

鈶㈠埄鎮=鏈閲懨楀疄闄呭ぉ鏁懊楁棩鍒╃巼

榪欎笁涓璁＄畻鍏寮忓疄璐ㄧ浉鍚岋紝浣嗙敱浜庡埄鐜囨崲綆椾腑涓騫村彧浣360澶╋紝浣嗗疄闄呮寜鏃ュ埄鐜囪＄畻鏃訛紝涓騫村皢浣365澶╄＄畻錛屽緱鍑虹殑緇撴灉浼氱◢鏈夊嚲宸銆傚叿浣撻噰鐢ㄩ偅涓涓鍏寮忚＄畻錛屽ぎ琛岃祴浜堜簡閲戣瀺鏈烘瀯鑷涓婚夋嫨鐨勬潈鍒┿傚洜姝わ紝褰撲簨浜哄拰閲戣瀺鏈烘瀯鍙浠ュ氨姝ゅ湪鍚堝悓涓綰﹀畾銆

錛堜笁錛夊嶅埄錛氬嶅埄鍗沖瑰埄鎮鎸変竴瀹氱殑鍒╃巼鍔犳敹鍒╂伅銆傛寜鐓уぎ琛岀殑瑙勫畾錛屽熸炬柟鏈鎸夌収鍚堝悓綰﹀畾鐨勬椂闂村伩榪樺埄鎮鐨勶紝灝辮佸姞鏀跺嶅埄銆

錛堝洓錛夌綒鎮錛氳捶嬈句漢鏈鎸夎勫畾鏈熼檺褰掕繕閾惰岃捶嬈,閾惰屾寜涓庡綋浜嬩漢絳捐㈢殑鍚堝悓瀵瑰け綰︿漢鐨勫勭綒鍒╂伅鍙閾惰岀綒鎮銆

錛堜簲錛夎捶嬈鵑炬湡榪濈害閲戱細鎬ц川涓庣綒鎮鐩稿悓錛屽瑰悎鍚岃繚綰︽柟鐨勬儵緗氭帾鏂姐

奼借濺璐鋒炬渶澶氬彲浠ヨ捶鍑犲勾

涓嶈秴榪5騫淬

渚濇嵁璐鋒捐繕嬈炬柟寮忕殑涓嶄竴鏍鳳紝璐杞﹁捶嬈劇殑璐鋒炬湡闄愪篃涓嶇粡榪囧悓鏍楓備竴鑸鐘跺喌涓嬬殑璐鋒炬湡闄愭槸3騫達紝鏈澶氳捶嬈炬湡闄愪笉瓚呰繃5騫淬

杞﹁捶鍜屾墍鏈夎捶嬈句竴鏍鳳紝閮戒細浜х敓鍒╂伅錛岃捶嬈炬椂闂磋秺闀匡紝鎵浜х敓鐨勭浉搴旂殑鍒╂伅涔熶細瓚婂氾紝灝界￠摱琛屾彁渚涗簡鏈闀誇笉瓚呰繃5騫寸殑璐鋒炬湡闄愩備絾鏄浼楀氬㈡埛鍦ㄦ潈琛″埄寮婁箣涓嬶紝閫夋嫨24鏈熸垨鑰36鏈熺殑鏈澶氥

璐鋒句拱杞︽渶澶氳兘璐峰氬皯騫達紵

璐鋒句拱杞︽渶澶氳兘璐鋒5騫淬傝濺杈嗘湰韜鏄灞炰簬涓縐嶆秷鑰楀搧錛岃喘涔版椂闂磋秺闀匡紝璐鍊艱秺澶氾紝鎵浠ヨ捶嬈懼勾闄愭渶楂樻槸5騫達紝鍒嗘湡鏈闀誇篃鏄60鏈熴俓r 涓鑸璐鋒句拱杞︽潯浠跺備笅錛歕r 錛1錛夎喘杞﹁呭繀欏誨勾婊18鍛ㄥ瞾錛屽苟涓旀槸鍏鋒湁瀹屽叏姘戜簨琛屼負鑳藉姏鐨勪腑鍥藉叕姘戙俓r 錛2錛夎喘杞﹁呭繀欏繪湁涓浠借緝紼沖畾鐨勮亴涓氬拰姣旇緝紼沖畾鐨勭粡嫻庢敹鍏ユ垨鎷ユ湁鏄撲簬鍙樼幇鐨勮祫浜э紝榪欐牱鎵嶈兘鎸夋湡鍋胯繕璐鋒炬湰鎮銆傝繖閲岀殑鏄撲簬鍙樼幇鐨勮祫浜т竴鑸鎸囨湁浠瘋瘉鍒稿拰閲戦摱鍒跺搧絳夈俓r 錛3錛夊湪鐢寵瘋捶嬈炬湡闂達紝璐杞﹁呭湪緇忓姙閾惰屽偍钃勪笓鏌滅殑甯愭埛鍐呭瓨鍏ヤ笉浣庝簬閾惰岃勫畾鐨勮喘杞﹂栨湡嬈俱俓r 錛4錛夊悜閾惰屾彁渚涢摱琛岃ゅ彲鐨勬媴淇濄傚傛灉璐杞﹁呯殑涓浜烘埛鍙ｄ笉鍦ㄦ湰鍦扮殑錛岃繕搴旀彁渚涜繛甯﹁矗浠諱繚璇侊紝閾惰屼笉鎺ュ彈璐杞﹁呬互璐鋒炬墍璐杞﹁締璁懼畾鐨勬姷鎶箋俓r 錛5錛夎喘杞﹁呮効鎰忔帴鍙楅摱琛屾彁鍑虹殑璁や負蹇呰佺殑鍏朵粬鏉′歡銆俓r 鏇村氬叧浜庤捶嬈句拱杞︽渶澶氳兘璐峰氬皯騫達紝榪涘叆錛氭煡鐪嬫洿澶氬唴瀹