1. overdue time: how long the car loan is overdue depends first on the overdue time. Generally speaking, the longer the overdue repayment time, the greater the possibility of the trailer. Specifically, under normal circumstances, overdue for more than one month may face the risk of towing.
2. Collection measures: In addition to overdue time, whether to take collection measures will also affect the trailer's decision. If the lender has collection behavior after the deadline, such as repeated collection, visit and telephone collection, etc. And the borrower still fails to repay or fails to reach a repayment plan with the lender, then the possibility of trailer will increase.
3. Contract agreement: The decision right of car loan trailer still exists in the loan contract. Loan contracts often clearly stipulate the handling methods of overdue repayment, including the consequences of procrastination. Therefore, it depends on the specific contract to determine how long the car loan is overdue before it is towed away.
To sum up, it usually takes more than one month for a car loan to be overdue. If the lender has taken collection measures but failed to repay or has not reached a repayment agreement with the lender, the borrower may face the risk of delay. But the specific situation needs to be determined according to the contract.
Extended data:
The consequences of overdue car loans are not only trailers, but also personal credit records. Personal credit records are closely related to various financial services and credit activities, including loans, credit cards, leasing, insurance, etc. If the credit record is negatively affected, it will have a negative impact on personal financial activities such as credit lending and leasing in the future. Therefore, it is very important to avoid overdue repayment and repay the car loan on time.
In addition, loans overdue not only has a negative impact on individuals, but also brings certain risks to lending institutions. Therefore, lending institutions often take collection actions within a certain period of time to urge borrowers to repay as soon as possible to reduce risk losses.
It should be noted that the specific provisions of overdue trailers for car loans may vary according to regions, lending institutions and specific contracts. Therefore, in the face of overdue car loans, borrowers had better communicate with lending institutions and make repayment plans according to the actual situation to avoid unnecessary risks and consequences.