In order to avoid the risk of car loan, the bank requires that the first beneficiary of the car bought by the loan must be the bank.
The first beneficiary is the bank, and the following questions are:
Your car is in danger, and the insurance company needs to go through the bank formalities, because the insurance company's claims are paid directly to the owner in principle, but if there is a first beneficiary, it will be paid to the first beneficiary. In this case, you must issue a power of attorney from the bank to entrust the owner to collect the money.
If it has been settled in full, it must be changed to the first beneficiary.
First: it doesn't matter whether you change insurance companies or not. Because commercial insurance is also networked nationwide, it can be found.
Second: shouldn't you buy a new car with commercial insurance for three years at the same time? Jiao Qiang will continue to buy every year.
Third: Too many accidents will lead to the insurance company refusing to insure, but you can try to change to a small insurance company, whose requirements for the number of accidents will be much lower than those of large companies.
2. CCB's loan application has been passed and the down payment has been paid. How long does it take to submit a loan application to a loan account?
It doesn't matter if the situation is short. Two and a half weeks to three weeks is longer. My loan is also from CCB. After my approval, it takes 23 days to lend money to the bank. If you don't get the loan in a month, you should keep an eye on it and push it.
3. Is it okay if you don't want to buy a car after the loan is approved?
It won't make any difference. After the approval of the bank, there has been no payment and the contract has not been signed. It can be cancelled. If the deposit has been paid, it is not refundable. It is suggested to check the contract specifically to see if there is any explanation for breach of contract.
If you don't want this car, you can get a refund. After all, you are a consumer. It's up to you to negotiate. If the business really disagrees, then ask the local media or consumer associations for help.
The general steps of buying a car with a loan are as follows:
1. Book the car first;
2. Go through the loan formalities in the 4S shop: including providing information and signing the loan details;
3. Wait for the loan agreement of the bank to give the 4S shop this loan;
4. After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;
5. The customer picks up the car and puts on the card;
6. After the card is completed, the information is mortgaged to the bank;
7. A few days after the mortgage (generally according to the bank's audit), the money will be paid to the 4S store.
4. What if the car loan fails? What can I do if the car loan is rejected?
If the car loan fails, it is best for the applicant to consult the bank account manager or relevant person in charge in time to understand the reasons for the rejection of the car loan. If it is a personal data problem, you can supplement the information and reapply; If the repayment ability is rejected, the loan application amount may be appropriately reduced and the loan term may be extended; If the loan is refused because of high debt, it is suggested to pay off the loan first and reduce the debt ratio before applying.
What can I do if the car loan is rejected because of personal credit problems? There is no remedy for this. Because it is found that after the car loan is rejected, we must carefully understand some reasons and prescribe the right medicine before we can apply successfully again. The car loan has not been approved, and the deposit paid when applying for a car loan is generally non-refundable. Only when the dealer refuses to perform the contract can the deposit be returned, and part of it will be returned in double. If the loan fails due to the applicant's own reasons, it is generally impossible to ask the dealer to refund the deposit, but you can try to negotiate with the dealer.
General car loan approval may take about a week, but this is just a reference. In fact, according to the situation at that time and the loan platform, some people can announce the approval structure in about 3 working days when the information is complete and correct, and some people need about 15 working days, so the time for car loan approval is not very fixed.