Personal credit records, resulting in overdue fees and interest.

If you have no money for only one month, you don't need to apply. Just pay off the interest for these two months before the interest settlement date of next month. However, during the period from the interest settlement date of this month to the next interest settlement date, your unpaid interest will generate penalty interest.

Loan maturity date:

/kloc-default interest will be incurred if repayment is not made to the bank within 0/month;

1 month (more than 30 years), the bank will be notified by SMS;

After more than 3 months (90 days), the bank will call or collect it at home;

After six months, the bank will file a lawsuit with the court, and the court summons will be sent 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 auction it. The proceeds from the collateral auction will be used for repayment.

If the auction proceeds are greater than the arrears (the amount that the borrower needs to pay = principal, interest, liquidated damages, late fees, prosecution fees, attorney fees, etc.). ), then the excess will be returned to the borrower. However, there is little extra money.

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.

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.

Letter of credit clause

Having valid identification and full capacity for civil conduct;

Can provide fixed and detailed address proof;

Have a stable job and the ability to repay the loan principal and interest on schedule;

Personal social credit is good;

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

Other conditions stipulated by the cooperation organization.

Application material

Original ID card, residence booklet or other valid proof of residence, and provide a copy;

Proof of professional and economic income, running list of personal accounts in the past 6 months;

The car purchase agreement, contract or letter of intent signed with the dealer;

Other documents required by the Cooperation Organization.

Treatment process

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms.

If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.