It depends on the date you bought the car and the requirements of the contract. Usually I will make it clear to you when signing the contract. Usually from next month.

After the lender picks up the car, he can start to repay the car loan after taking the bill. Regular car loan companies will call you in advance every month. Of course, you have to pay a certain post-loan management fee, probably around 200 yuan every year.

If there is no loan bank in your place, you can open an account with the loan handling bank, and then pay in installments every month, and the car loan company will help you pay it back. Some car loan companies require lenders to transfer money to company accounts, which is unreasonable.

For customers who have settled for one year, the car loan company does not charge any liquidated damages. You only need to pay one more month's interest to the bank when you settle the account. Second, in order to save money, we suggest that you apply for equal principal and interest repayment, because you intend to pay it off in one year. This repayment method will not pay you more interest. You only need to pay the same principal and interest every month, and pay off the principal in one lump sum when it is due. However, another repayment method in average capital can save interest only when the repayment is due within three years. If it is not due in advance, it means that you have paid back the interest of the previous year together, which is not cost-effective.

I hope I can help you, please adopt it in time. Thank you.

Does the car loan start from the day you pick up the car?

The car loan is not calculated from the day the car is picked up. Accurately speaking, it is calculated from the date when the loan funds are issued. However, many customers go to the 4S shop to pick up their cars on the day of the loan. Although the car loan is calculated from the date of lending, it is not that the customer will repay the loan immediately as soon as it is released, and it often begins the month after the loan is released. And if the loan date is close to the first repayment date, some will delay repayment for another month. Then repay the loan monthly according to the loan period selected by the customer, such as 36 installments in three years and 60 installments in five years.

：

1. Generally, it is done after the loan, not immediately after the customer submits the loan application. After choosing a car in a shop in 4S, an ordinary customer applied for a car loan from an auto consumption finance company. After the loan is approved, the customer can sign the loan contract, handle the mortgage and pay the down payment. Then the loan funds are released, and after the dealer receives the remaining car money, the customer can pick up the car.

2. It takes 3-5 working days from the bank accepting your loan to approving the loan or picking up the car, with a minimum of 3 working days and a maximum of 5 working days. The general process is preliminary review 1 day, reexamination 1 day, and total review 1 day (signature of bank president 1 day). Of course, after the loan comes down, it begins to be repaid, but the car is always picked up before the loan is made. Pay the down payment first, then pick up the car, then take out insurance and apply for a mortgage. After the mortgage comes back, the bank will lend money and finally pay it back.

3. The car loan will be repaid from the second month after the bank institution successfully lends money. According to the provisions of Article 11 of the General Rules for Loans in People's Republic of China (PRC), the loan term shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

4. If the loan cannot be repaid on schedule, the borrower shall apply to the lender for loan extension before the loan expires. Whether the extension is decided by the lender. When applying for extension of secured loan, mortgage loan or pledged loan, the guarantor, mortgagor and pledgor shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement. The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the extension application is approved at the end of the extension, the loan will be transferred to the overdue loan account from the day after the maturity date.

Does the car loan start from the month when you buy a car or next month?

Car loan repayment generally begins in the month after the loan is issued.

Where the user provides a third party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company may also provide a joint and several liability performance guarantee or a bank guarantee.

Users must sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal agency, and the bank and mortgagor shall go through the mortgage registration at the county real estate registration office where the house is located, and the contract will take effect after obtaining the property right certificate. If it is a pledge guarantee, the pledge contract will take effect after the title certificate is handed over to the bank. After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time.

Extended data:

Repayment method of automobile loan:

1. interest before this law means that the borrower pays off the principal and interest of the loan on the maturity date of the loan and repays the interest every month. Applicable to loans with a term of 1 year (inclusive).

The early pressure of choosing this repayment method will be relatively small, which is suitable for people who can't turn over their funds in a short period of time.

2. Matching principal and interest repayment method: Matching principal and interest repayment method is the most common method of car loan repayment. Usually, the down payment is 30-60%, and the rest is paid in installments 12-60, and the monthly payment is the same every month. This repayment method is suitable for people with stable income. As for those whose wages fluctuate greatly, such as sales based on performance, it is still very risky to choose this method. Maybe this kind of anxiety can stimulate the motivation of work.

3. Step-by-step repayment method: Step-by-step repayment refers to the repayment of all loans in stages. For example, if you buy a car, the down payment is 25% and the loan period is 2 years. From 1- 1 1 to repay 13% of the total loan, from 12 to repay 15% of the total loan, and from 13-23 to repay 29% of the total loan.

Baidu encyclopedia-car loan