Yixin car loan has not been paid back for half a year? What will happen if Yixin gets a car loan?

The following consequences are not easy to occur after half a year of Yixin car loan:

Case 1: Severe penalty interest and collection

Under normal circumstances, if the loan is not paid in the first 3-6 months, the lending institution will collect it gently. If the collection fails, a special person will be sent to collect it, and a penalty will be imposed if it is overdue for too long.

Situation 2: Personal credit information has a bad record.

Previously, many car owners were worried about the issue of crediting the central bank with Yixin car loan. In fact, consumers should repay the loan on time when using the loan service. Once in loans overdue, overdue records can be uploaded to the personal credit information system of the People's Bank of China.

Situation 3: The court initiates a lawsuit.

This situation generally occurs when the overdue repayment time is too long, for example, Yixin car loan has not been paid for half a year, and Shanghai Yixin car loan has not been paid for two years. At this time, Yixin Auto Loan sued the owner to the court and had the right to tow away the vehicle, and auctioned the vehicle through the court, and the proceeds from the auction were used to pay off the debts of the users.

Of course, some car owners may be smart enough to remove the GPS of the car loan agency and continue to drive, but in fact, it is necessary to know that the vehicle has not been transferred to their own names, and the owner's information has been filed in the loan agency, so it is easy to find the owner himself, and the final result is still counterproductive.

After the car loan is paid off, the transfer can be normal. The specific transfer fee method is as follows:

1, you can go to the loan bank to get back the vehicle mortgage formalities 10 days after the car loan is paid off;

2. Then, you can also obtain the vehicle registration certificate, and you can check the collection place on the auto insurance policy, usually in the car shop or the corresponding bank;

3. Bring my ID card, motor vehicle registration certificate, loan repayment certificate and motor vehicle mortgage change application form to the local vehicle management office for decompression procedures;

4. Finally, change the owner to the first beneficiary.