How to pay the general car loan?

First, how to repay the general car loan?

Car loans can be repaid by bank loans, credit card loans or car sales company's own guarantee company loans. There are many repayment methods, which can be paid monthly or once after two years. You can negotiate with the bank or car sales company.

After you pick up the car, you can start paying back the car loan when you get the bill. Regular car loan companies will call you in advance every month. Of course, you have to pay a certain post-loan management fee, probably around 200 yuan every year.

If there is no loan bank in your place, you can open an account with the loan handling bank, and then pay in installments every month, and the car loan company will help you pay it back.

2. What are the repayment methods for car loans?

The repayment method of the loan to buy a car is as follows: 1, with equal principal and interest repayment. When calculating, the interest generated by the monthly loan balance is calculated first, and the repayment principal of the current month is formed after deducting the interest payable from the equal repayment amount. At the initial stage of repayment, due to the large loan balance, interest accounts for a large proportion in monthly repayment, and the repayment speed of principal is relatively slow. With the passage of time, the loan balance gradually decreased, the proportion of interest gradually decreased, and the proportion of principal gradually increased. This repayment method is more suitable for people with fixed year-end bonus or fixed annual income; 2. Repayment of equal principal. The average capital of car loan refers to the repayment method selected by the borrower in the average capital after the car loan. During the repayment period, the total loan amount is divided into equal parts, and the same amount of principal and interest generated by the remaining loan in the month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less; 3. Smart repayment. This repayment method is a new way of automobile repayment, that is, the loan is divided into two parts, which are repaid in the first and last installment respectively. There are three different repayment schemes to choose from after the smart balance payment expires; 4, worry-free wisdom repayment. Commonly known as "loan half, pay half"; 50% repayment at the end of the loan, and there are three options at the end of the loan; Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount. Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Three, personal car loan repayment methods include ().

A, B, C A, B, C, DABCD personal car loans include average principal repayment, one-time repayment and monthly repayment. Specific measures shall be implemented in accordance with the provisions of commercial banks. There are many repayment methods of personal car loan, but you can't use any repayment method that the borrower wants.

4. What are the repayment methods of auto loans?

There are many types of car loans, and the calculation methods of total repayment amount of different types are different. Here, I will introduce several main ways of car loan to you. 1. Worry-free Smart Loan: 50% of this loan will be repaid at the end of the loan period. At the end of the loan period, there are three options: paying off the balance in full; Apply for extension 12 months; Used car replacement. 2. Smart loan: This repayment method divides the loan into two parts, which are returned in the first and last installment respectively. At the end of the loan period, there are three options: paying off the wisdom balance in full; Apply for extension 12 months; Used car replacement. 3. Equal repayment: If you apply for this loan method, the repayment amount of each installment is the same within the loan period. According to customers' personal qualifications and the cars they buy, we will provide a loan scheme specially designed for them. /Hui You /xinyidaiwmcar.shtml