1. The user went to the bank to confirm repayment: make sure to pay off all the loans.
2. The user should get back the motor vehicle registration certificate: the borrower holds the motor vehicle driver's license, ID card and bank repayment details, and goes to the bank to explain his purpose to the bank staff, showing the repayment details, ID card and other materials, and the staff can handle it after verifying the information.
3. Handling vehicle mortgage cancellation procedures: The borrower will wait for the local vehicle management office with the loan settlement certificate, ID card and motor vehicle registration certificate. , and apply to the staff for cancellation of vehicle mortgage and provide relevant information. After verification, the mortgage can be cancelled.
4. Change the first beneficiary of auto insurance: After the car loan is fully settled, the borrower must change the first beneficiary of insurance to himself.
Extended data
A car loan needs to meet the following conditions:
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization. The process of buying a car with a loan:
(1), leading customers to the bank's special dealers to choose cars and sign car purchase agreements or contracts;
(2) The borrower applies to the loan bank for personal automobile mortgage;
(3) Sign the contract after investigation and approval;
(4) Handling the formalities of notarization and mortgage of automobiles;
(5) The lender handles the loan;
(6) After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.
Second, what are the pitfalls of online lending?
1 is called low interest rate or zero interest rate. Many online loans cheat borrowers to apply in the name of low interest rates. However, the fees applied for inspection, data and services are unacceptable to the borrower. When I said I didn't want to borrow money, I got the following reply, and these expenses have been deducted.
2. Take personal information. Many online loans use borrowers to apply for loans in the name of loan companies to obtain personal information. Used to resell personal data to obtain illegal income. This is why after applying for some online loans, there will be calls from sales loans and intermediaries.
3. upfront costs. Collect channel fees, packaging fees, etc. Borrow money from a borrower without applying. Formal online lending platforms are never allowed to charge upfront fees, and charging 100% upfront fees is a trap.
4. Members need to recharge when borrowing money. In the early stage of disguised collection, rushing members and paying the next payment are not the same thing. You can only apply for membership, but the next payment depends on the platform.
5. beheading. Many 1000 applications received only 700, all of which were beheaded. It is illegal for the platform to deduct the interest in the next paragraph.
6. The audit period is included in the loan period. This kind of platform is also quite deceptive. Even the fastest platform has audit time, and the fastest platform has a day and a week. It is unreasonable to count the audit period as the loan period. For example, the borrower 1 applies for a loan under 10, and the loan period is one month. Then the repayment date next month should be 10 instead of 1.
7, just overdue without prompting. Some online loans will not be prompted when you are overdue, but after you are overdue for a period of time, the overdue fee will increase exponentially.