1. 1. Call Ping An Bank's loan customer service phone to apply for early repayment, and it is best to make an appointment one month in advance;

2. Prepare funds for early repayment of car loans, including funds for early repayment and liquidated damages;

3. Bring relevant documents and submit relevant materials to Ping An Bank for prepayment of auto loans;

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 those who prepay for less than one year, it is roughly 2% to 5% according to different bank regulations, and some of them are repaid for several months with interest as liquidated damages, but for friends who have already repaid their car loans for one year, there is generally no need to collect liquidated damages.

First, the concept

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, to buy their own cars (non-profit family cars or commercial vehicles with less than 7 seats).

2. Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

3. Direct bank car loan, including deposit, principal and interest, 3% guarantee fee, etc. The bank's premium customer fees will be discounted, but the preferential policies of each bank are 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. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

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

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

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.

The car loan and mortgage are due in one month. What should I do if I want to return it in advance?

You need to bring relevant documents to your bank for settlement in advance. If it is paid off in the last month, I don't think it is necessary to settle it in advance, and the procedure is more troublesome.

The normal repayment should be like this.

1. Apply for prepayment from the lending institution and remit the repayment amount to the repayment account;

2. If the car loan is handled through the guarantee company, after the loan institution successfully deducts the advance payment, it will go to the guarantee company to obtain the vehicle ownership certificate and go through the settlement formalities with the corresponding settlement voucher; If it is directly mortgaged to a lending institution, the loan shall be recovered together with the settlement certificate when it is settled.

3. Take the vehicle ownership certificate and the procedures for lifting the charges to the vehicle management office in the jurisdiction to understand the procedures for charging.

But if there is only one month left, there is basically no need to return it in advance. Car loans are basically interest-free or low-interest, and you can't save much interest.

Prepayment should also be in harmony with the bank counter that gave you the loan at the beginning.

Contact and see if their bank allows prepayment. Some banks are free and exempt from overdue interest. You have to pay a handling fee for the rest. So it is more convenient to deposit it for only one month when it expires.

How to repay the car loan in advance?

1. If you want to repay the car loan in advance, the customer can apply to the loan bank or lending institution. With the consent of the lending bank or lending institution, the prepayment date can be reserved.

2. It should be pointed out that the borrower cannot repay the car loan in advance without the consent of the loan bank or lending institution. Otherwise, the amount returned in advance may not be deducted because it is not indicated.

In addition, many banks and lending institutions have certain requirements for advance payment. For example, advance payment can only be made after a period of time; Others will compensate some liquidation losses of the advance payment. Different banks and lending institutions have different regulations. It is recommended to consult the staff of banks or lending institutions for specific information.

4. Now the bank's direct loan is directly withheld, and you can also choose to deposit the money into the repayment account, so that the bank can automatically deduct the repayment at the specified time.

1. Auto loan refers to the loan granted by the lender to the borrower to apply for buying a car. Automobile consumption loan is a new loan method that banks issue new loans for car buyers to buy cars at their special dealers.

2. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal issued by the bank to consumers, that is, the borrower uses it to buy self-use cars (less than 7 non-profit family cars or commercial vehicles (inclusive)). The higher the interest rate, the greater the repayment of consumers.

3. The borrower must be a permanent resident of the place where the lender is located and have full capacity for civil conduct.

The loan period for automobile consumption is generally 1-3 years, with a maximum of 5 years. Among them, the loan term of second-hand car loan (including extension) shall not exceed 3 years, and the loan term of dealer loan shall not exceed 1 year.

4. The actual interest rate of auto loans shall be set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate of loans stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float about 10%, while ordinary customers need to float about 10% on the basis of the benchmark interest rate.

5. The latest bank loan interest rate is 20 13: above the benchmark 10%- 15%.

6. Personal loan car purchase business is divided into customer loans, inter-customer loans and credit card loans. The direct customer type is generally the bank car loan that the customer directly meets the loan, and the inter-customer type is generally the car loan of the auto finance company, that is, the auto finance company turns to the customer.

7. Direct customer bank car loan, including deposit, principal and interest, 3% guarantee fee, etc. There will be preferential treatment for high-quality customers in banks, but the preferential policies of each bank are different. In addition to paying the above fees, Guomao Kechuang Auto Finance Company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit.

I hope I can help you.

Can I repay my car loan in advance?

Yes, you can.

If you are rich. Car loans can be repaid in advance, and you can choose to repay in part or in whole.

If you want to pay off in advance, you can see if there is a penalty clause in the loan contract you signed. If not, no penalty will be charged. Interest will be calculated when repayment is made.

If you want to repay part of the loan first, you should also look at the minimum repayment amount of the repayment bank in advance. To repay the car loan in advance, you must apply to the loan bank or loan company. After the application is approved, you can go with the information.

However, if you pay off the car mortgage loan in advance, you should pay attention to the expenses incurred by repaying the loan before the repayment date. If repayment is made in advance, banks and loan companies will charge a certain penalty.

And what needs to be known is that if the repayment time of an individual's automobile mortgage loan is within one year, it may not be possible to repay before the repayment deadline.