How long will the overdue car loan be prosecuted?

Overdue loans will be prosecuted after six months;

If the bank loan is not repaid within 1 month or 1 month, penalty interest will be incurred;

2, 1 month (more than 30 years), the bank will have SMS notification;

3. After more than 3 months (90 days), the bank will call or go to the door to withdraw money;

4. After more than 6 months, the bank will bring a lawsuit to the court, and the court will send it to the borrower's home. On the day of the court session, regardless of whether the borrower appears in court, the court will freeze the collateral originally mortgaged by the borrower to the bank and then enter the auction. The proceeds from the collateral auction will be used for repayment. 1. 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. Second, the specific process of handling bank car loans is as follows:

1. The customer applies for a loan from the bank, fills in the loan application form and submits relevant materials at the same time;

2, the loan bank to review and investigate the application materials submitted by the borrower;

3. After passing the examination, the borrower signs an auto loan contract and a guarantee contract with the bank;

4. The borrower handles mortgage registration and other procedures;

5. After all formalities are completed, the loan bank will issue the loan as required, and the borrower will pick up the car at the dealer with relevant vouchers.

legal ground

Article 188 of the Civil Code of People's Republic of China (PRC)

The limitation period for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, those provisions shall prevail.

The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.