The auto loan company went bankrupt. Call the police or the court. When the car loan company went bankrupt, I called the police and let the police handle it. If the car loan company runs away, there should be more than one victim. If necessary, you'd better contact someone else to sue the car loan company.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.
Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.
Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).
An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.
Guarantee method:
(1) the insurance company to provide performance guarantee insurance for car loans;
(2) Professional guarantee companies provide joint and several liability guarantee to handle auto loans;
(3) Car buyers provide real estate mortgage guarantee for car loans;
(4) The car buyer provides the certificate of deposit in local and foreign currencies, national debt and RMB wealth management products as the pledge of car loans;
⑤ The borrower shall provide other guarantee methods recognized by the bank (such as the guarantee of the automobile dealer) to handle the automobile loan.
Application conditions:
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
Who should I ask to release the car loan company after it goes bankrupt? What if the car loan company goes bankrupt and the vehicle is green?
; ? If the car loan company goes bankrupt and the lender has paid off the loan and wants to cancel the mortgage, this situation is still the same as the normal procedure. Need to get in touch with the car loan company and cancel the mortgage according to the normal process. Generally, if the lender has paid off the loan, the car loan company can't hold the vehicle registration certificate. Under normal circumstances, it will cooperate with the owner to complete the vehicle release procedures.
The auto loan company went bankrupt. If the car loan has not been paid off, you need to wait until the car loan is paid off before you can get back the motor vehicle registration certificate.
If the car loan company goes bankrupt and runs away, it needs to call the police to solve it. If you can't contact the car loan company and get back the motor vehicle registration certificate mortgaged in the lending institution, you can't go through the formalities of vehicle release.
Therefore, if you want to borrow money to buy a car, it is recommended to borrow money from a bank. Although the threshold for applying for a loan will be higher, the safety factor will be higher and the probability of bankruptcy will be lower.
After handling the car loan, you need to complete some procedures before the car can truly belong to you. The procedure is not complicated, just prepare the relevant materials and go to the relevant departments to handle it. The preparation of materials needs to be subject to the regulations of relevant departments, and the regulations of different regions and institutions may be somewhat different. Therefore, it is recommended that car owners know some requirements before going through the formalities to avoid running back and forth because of incomplete information.
After the vehicle is released, the first beneficiary of auto insurance needs to be changed at the insurance company. General loans to buy a car, the first beneficiary of auto insurance belongs to the lending institution. If a 4S shop installs a GPS positioning device for a car, it can be dismantled in the 4S shop.
How to decompress the big account book when the car loan company goes bankrupt
The borrower needs to mortgage the motor vehicle registration certificate to the loan company when handling the car loan. If the car loan company goes bankrupt, then you can't go through the formalities of canceling the mortgage.
Because the owner and mortgagor need to go to the vehicle management office to handle the mortgage cancellation procedures, the mortgagor needs to provide business licenses, accept entrustment and other documents, and the owner himself must be present. Therefore, the police can only find the person in charge of the car loan company through the police, and then let the person in charge go to the vehicle management office to handle the mortgage cancellation procedures.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
The benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.
The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float down 10%, while ordinary customers need to float up 10% on the basis of the benchmark interest rate.
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.