The head of "Autostat," Sergei Tselikov, shared information about lending to those wishing to buy used cars and about the used car market in general. The first 8 months of this year brought disappointing figures: the percentage of loans issued for the purchase of used cars fell by 58% compared to last year. In monetary terms, the market volume reached 340 billion rubles, which is 63% less than the same period last year.
However, in quantitative terms, the market even rose slightly: in August, 3.87 million cars were resold, which is 0.3% more than a year earlier. This is explained by the fact that 70% of the market consists of cars older than 10 years, and 40% are sold for less than 500,000 rubles.
Another reason is that buyers of such cars, as a rule, use not car loans with collateral, but consumer loans, or short-term loans at a high percentage. Also, loans for the purchase of used cars are not subsidized, and banks are suspicious of customers trying to take out a loan for the purchase of such cars, and therefore the approval rate for them is about 25%.
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