What are the procedures and precautions for returning the car loan in advance?

1. What are the procedures and precautions for returning the car loan in advance?

Step/Mode 1

First of all, prepayment requires an appointment.

Advance repayment requires an appointment, and ordinary banks must make an appointment about 15 days in advance. Different institutions have different regulations, which can be specific to loan applicants.

Step/Mode 2

Second, the advance payment should bring relevant materials.

To repay the car loan in advance, you need to prepare relevant materials, including: ID card (principal applicant, owner); Repayment card; Temporary residence permit (non-owner household registration); Original motor vehicle registration certificate; Information such as last month's repayment list stipulated by the institution.

Step/Mode 3

Third, fill in the loan repayment application form.

After receiving the notice from the other party, the applicant goes to the loan applicant's outlet to get the application form and fill it out.

Step/Mode 4

Fourth, we will call you after the approval.

Step/Mode 5

Fifth, repayment.

After the formalities are completed, deposit the money into the account and make repayment.

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Precautions:

1. Advance repayment requires an appointment.

You can't repay the loan in advance as soon as you arrive at the bank. Advance repayment requires an appointment, and ordinary banks must make an appointment about 15 days in advance. Different banks have different regulations, which can be specific to the applicant bank.

Step/Mode 7

2. Repay in advance or pay part of the liquidated damages.

Generally speaking, most banks charge liquidated damages for loans within one year, and the liquidated damages paid are still relatively high. Therefore, it is necessary to compare the expenditure of liquidated damages, interest and other funds, and then decide whether to repay the loan in advance.

Step/Mode 8

3. The minimum amount of one-time repayment is limited.

Usually banks have a minimum amount of one-time repayment. For example, some banks stipulate that the minimum prepayment amount after one year is six times the normal monthly repayment amount. If it is not paid off in one lump sum, the lender can choose the handling method according to the bank regulations and its own financial situation.

Second, can I get a loan to return the car in advance?

The loan for buying a car is repaid by the bank in a decreasing way. When the loan was repaid in the first year, the interest was basically paid off. Therefore, there is no penalty for a three-year loan as long as it is repaid one year in advance. As for insurance, it is non-refundable

3. Can Ping An Car Loan be repaid in advance?

1. 1. To apply for prepayment, it is best to make an appointment one month in advance;

2. Prepare the funds for car loan repayment in advance, including the funds for prepayment.

3. Bring relevant certificates and submit relevant materials to Ping An Bank for car loan.

4. Sign the car loan prepayment contract, and then transfer the funds to the special repayment card of Ping An Bank to complete the prepayment.

5. The prepayment of Ping An car loan requires liquidated damages, but for prepayment within one year, it is roughly 2% to 5% according to different bank regulations, and some friends who repay for several months a year generally do not need to collect liquidated damages.

First, the concept

1. Car loan refers to loan. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. Consumers, that is, the ratio of loan amount to principal, are used by borrowers to buy their own cars (non-profit family cars or 7.

2. Personal loan car purchase business is divided into direct customer bank car loan and indirect auto finance company car loan.

3. Direct customer bank car loan, 3% guarantee fee, etc. And the bank's premium customer fees will be preferential and different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

4. There is also a credit card car loan, which can be paid in installments. Not all conditions can be handled, and there is an audit procedure, which is difficult to handle when entering the household.

Second, the specific steps of buying a car by credit card are roughly as follows:

1. Cardholders (either apply for a card center or go to the local bank to check whether they can apply for a credit card car loan.

2. The cardholder shall personally fill in the installment order for car purchase and submit it to the background of the bank for review.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

4. Can the car loan be repaid in advance?

The car loan can be repaid in advance. At present, there are two ways to buy a car by loan, one is interest-free and the other is interest-bearing. Generally, there are clauses in the contract to repay the loan in advance, and it is usually possible to repay the loan in advance by paying a certain penalty. Of course, in order to attract consumers to buy cars, 4S stores will also launch some interest-free loans. Most interest-free loans do not need to pay liquidated damages for early repayment. According to the regulations of the bank, customers who repay the loan in advance need to submit a written application one week to one month in advance to agree on the repayment date. Then, according to the agreed date, he will bring his ID card and the loan contract signed by the bank to the bank to fill in the loan repayment application form and loan repayment agreement in advance, and deposit the money to be repaid into the account where the loan principal and interest are withheld according to the requirements of the bank, and the bank will automatically deduct the money.