How to get a mortgage on a truck: hot topics and structured guides across the internet
Recently, truck mortgages have become a hot topic in the freight industry. Especially driven by the peak season of e-commerce logistics and new energy truck policies, many car owners and transportation companies are concerned about how to purchase trucks through mortgages. This article will combine the hot content of the past 10 days to provide you with a guide to structured data.
1. Popular topics related to truck mortgages across the Internet (last 10 days)
| Ranking | hot topics | Search volume trends | Related policies/events |
|---|---|---|---|
| 1 | New energy truck mortgage subsidy | ↑35% | New energy vehicle purchase tax reductions and exemptions in various regions continue |
| 2 | Second hand truck mortgage process | ↑28% | The second-hand car trading market is active |
| 3 | Truck mortgage interest rates comparison | ↑22% | The central bank lowers the LPR interest rate |
| 4 | Self-employed truck mortgage conditions | ↑18% | Relaxation of business loan policies for small and micro enterprises |
2. Core process and data of truck mortgage
Currently, the truck mortgage solutions provided by mainstream financial institutions can be divided into three categories:
| type | down payment ratio | loan term | annual interest rate range | Suitable for the crowd |
|---|---|---|---|---|
| commercial bank loan | 20%-30% | 1-5 years | 4.5%-6.8% | Companies/individuals with good credit |
| Manufacturer Finance | 15%-20% | 1-3 years | 3.9%-5.2% | Purchase new cars of specified brands |
| finance lease | 0%-10% | 3-5 years | 8%-12% | Users with short-term financial constraints |
3. List of necessary materials for mortgage
According to the recent actual approval requirements of banks in various places, the necessary materials are compiled as follows:
| Material type | Enterprise users | individual user | Special instructions |
|---|---|---|---|
| Proof of identity | Business license + legal person ID card | ID card + household registration book | Must be within the validity period |
| Proof of income | Financial statements for the past 2 years | Bank statement/income certificate | Monthly income must cover 2 times monthly payment |
| vehicle information | Car purchase contract/letter of intent | Same as above | Need to include vehicle parameter price |
| Guarantee materials | Proof of collateral | Real estate certificate/security deposit | Credit loans available in some areas |
4. The latest risk warning in 2023
According to recent analysis of consumer complaint data, special attention should be paid to:
1.Hidden fees: Some institutions charge GPS installation fees (1,500-3,000 yuan), handling fees (2%-5% of the loan amount) and other fees that are not notified in advance.
2.interest rate trap: Advertising interest rates as "as low as 3%" usually requires certain conditions to be met (such as down payment of more than 50%, short-term repayment, etc.)
3.vehicle restrictions: Some financial institutions have clear restrictions on vehicle age (new vehicle/within 3 years) and vehicle model (specific tonnage only)
5. Expert advice
1. Give priority to financial institutions that cooperate with truck manufacturers, usually you can get lower interest rates and longer repayment periods.
2. New energy trucks can be superimposed with local subsidies (in some areas the subsidy reaches 10% of the vehicle price). It is recommended to consult the local traffic control department first.
3. The assessment of repayment ability should include vehicle operating income, and professional transportation companies can provide operating contracts as auxiliary proof.
Through the above structured data, I hope it can help you fully understand the current market situation and operating points of truck mortgages. It is recommended to obtain the latest policy information through the bank's official website, regular 4S stores and other channels before handling.
check the details
check the details
en
