1. What to do if you get a car loan if you are criminally detained
1. If you are criminally detained, you still need to repay your car loan on time, and your family members can repay it on your behalf through the client’s account. If you really have no ability to repay, you should negotiate with the lending institution to extend the repayment period. If there is no related person, the bank will preserve the assets and dispose of the collateral to repay the debt.
2. Legal basis: Article 249 of the "Civil Procedure Law of the People's Republic of China"
The person subject to execution fails to perform legal documents in accordance with the execution notice obligations, the people's court has the right to inquire from relevant units about the deposits, bonds, stocks, fund shares and other property status of the person subject to execution. The people's court has the power to seize, freeze, transfer, and change the value of the property of the person subject to execution based on different circumstances. The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the obligations that the person subject to execution shall perform.
When the people's court decides to seize, freeze, transfer or devalue property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.
2. What is the car loan process?
1. The borrower prepares personal certification materials and goes to the bank to fill in the application form;
2. Wait for the bank’s call Pre-loan qualification investigation and approval;
3. If the borrower meets the loan conditions stipulated by the bank, the bank will notify the borrower to fill in some loan form materials;
4. If the borrower The loan you apply for requires a mortgage or guarantee, and you also need to sign a guarantee contract, a mortgage contract, and go through mortgage registration procedures;
5. If you are applying for an unsecured loan, you do not need to sign such a contract;
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6. Banks issue loans to borrowers. Generally, banks will issue loans after approval within 2 to 3 weeks or 1 month, and the loan can be released as soon as 1 day; 7. The borrower will hand over the down payment to the car dealer and Complete the car pick-up procedures with your passbook and car pick-up note issued by the bank.