Whether the car loan can be changed from 2 years to 3 years depends on the result of negotiation with the other party. If the other party agrees, you can change it. If the other party disagrees, you'd better not change it yourself.
The written contract is affirmative. If you want to change the contents of the contract, you need the consent of both parties, otherwise you will be liable for breach of contract if you change the contract yourself. Therefore, if you want to change the car loan from 2 years to 3 years, you need to negotiate with the other party and try to get the consent of the other party.
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.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank.
Type of automobile loan:
First, the direct customer type is generally a bank car loan to let customers meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
2. In addition to paying the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
Third, there are credit card car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there must be an audit procedure. Credit card users with bad credit records are difficult to deal with.
The specific steps of buying a car by credit card in installments 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 shall fill in the installment purchase order at the dealer with his ID card and submit it to the bank for review.
3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.
Four, after the vehicle license, the cardholder needs to go to the bank for mortgage procedures and purchase the required auto insurance.
5. I can finally drive away smoothly.
Can the term of car loan be changed?
It depends on the specific situation. This mainly depends on the steps of the approval process and can be negotiated with the car dealership.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 465 A lawfully formed contract shall be protected by law. A legally established contract is legally binding only on the parties, except as otherwise provided by law.
Article 466 If the parties have disputes over the understanding of the terms of the contract, they shall determine the meaning of the disputed terms in accordance with the provisions of the first paragraph of Article 142 of this Law. Where a contract text is concluded in two or more languages, and the agreement is equally authentic, the words used in each text shall have the same meaning. If the words and expressions used in each text are inconsistent, they shall be interpreted according to the relevant terms, nature, purpose and principle of good faith of the contract.
Article 467 The provisions of the General Provisions of this Part shall apply to contracts not expressly provided for in this Law or other laws, and reference may be made to the most similar contracts or other laws in this part. Chinese-foreign joint venture contracts, Chinese-foreign cooperative operation contracts and Chinese-foreign cooperative exploration and development contracts in People's Republic of China (PRC) shall be governed by the laws of People's Republic of China (PRC).
Article 468 The legal provisions concerning the creditor-debtor relationship shall apply to the creditor-debtor relationship not arising from the contract; Where there are no provisions, the relevant provisions of these General Rules shall apply, except those that cannot be applied according to their nature.
Article 502 A lawfully formed contract shall become effective upon its formation, unless otherwise provided by law or agreed by the parties. In accordance with the provisions of laws and administrative regulations, if the contract should go through the approval procedures, such provisions shall prevail. If the failure to go through the formalities such as approval affects the effectiveness of the contract, it will not affect the performance of the obligation clauses such as approval and the effectiveness of relevant clauses in the contract. If the party that should go through the formalities for approval fails to perform its obligations, the other party may require it to bear the responsibility for violating its obligations. The modification, assignment and dissolution of a contract shall be subject to the provisions of laws and administrative regulations, and the provisions of the preceding paragraph shall apply and shall be subject to approval.
Can the fixed number of years be modified after the car loan of CITIC Bank is released?
You cannot modify the age limit.
CITIC Bank can't modify the service life and the repayment period directly after the car loan, but it can apply for early repayment at the bank.
Banks should review and evaluate the monthly repayment credit during the loan period. If they can repay on time every month, there is no default, and their personal credit qualifications have no bad records, the bank can shorten the repayment period for them.