How does Chery Finance inquire about its car loan?

Check how much car loan is left. Lenders can bring their ID cards to the personal loan department of the loan bank outlets in person, online banking and bank customer service telephone inquiries.

1. Check with the bank branch that handles auto loans. Choose to go to the bank outlets to inquire, not only can you know how many car loans are left, but you can also ask the bank to help print the repayment schedule within one year. In this way, you can better understand your loan situation.

2. Log in to the online bank of the loan bank for inquiry. We only need to download the online banking app of the loan bank, so we don't have to go out to check the loan balance. This query method is the simplest. Through online banking, you can not only check how much car loan is left, but also record the repayment information better.

3. The borrower can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and cannot know the past and future monthly repayment situation.

Take industry and commerce as an example:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.4

App version: v7.0. 1.2.5

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

Loan term:

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

Loan terms:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.