The solution to the problem that the new car network of edamame cannot repay the car loan;
Repayment can be negotiated. First of all, the borrower should not shy away from repayment, but should contact the lending institution to express his good willingness to repay, and then explain his current situation and negotiate to postpone repayment or repay by installments.
You can also ask friends and family for help. You can confess to your family, tell the truth, and ask friends and relatives for help. At the same time, it is suggested to increase revenue and reduce expenditure. Find a job with enough money.
Second, how to deal with the car loan without the bank?
1. If the car loan is overdue for 3 months, the bank has the right to apply for enforcement after winning the case;
2. After accepting compulsory execution, property, vehicles, securities and deposits under the debtor's name will be inquired according to law;
3. If the person subjected to execution fails to perform the obligations specified in the legal documents, the people can take or notify the relevant units to assist in taking exit restrictions, recording in the credit information system, publishing information on non-performance of obligations through the media and other measures prescribed by law.
4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.
5. Legal basis: article 3 13 of the Criminal Law (revised 1997) refuses to execute a judgment or ruling. People's judgments and orders are capable of being implemented, and if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.
Third, how to deal with car loans?
First of all, answer directly.
The car loan owed to the bank is not enough. You can try the following.
Second, the specific analysis
1. negotiate repayment. You can try to communicate with the bank to see if you can negotiate repayment, such as negotiating deferred repayment or reducing some interest.
However, the bank may not agree to the negotiation application, and the bank notice shall prevail.
When negotiating with the bank, you can try to apply for deferred repayment to avoid applying for interest reduction. From the bank's point of view, it is more acceptable for them to postpone repayment, and materials such as unemployment certificate and personal assets certificate can be submitted during negotiation, which can increase the success rate of negotiation repayment.
2. Find a third party to guarantee for yourself. If the bank does not agree to negotiate the repayment application, it can try to find some qualified third-party institutions or individuals to guarantee for itself. If the bank agrees, it may get some time to raise funds.
Because the guarantor will be jointly and severally liable for debts, in order not to bring trouble to the guarantor, the guarantor should be repaid as soon as possible after being found, so as to avoid overdue debts affecting the rights and interests of the guarantor.
3. Provide other collateral If you can't find a third party to guarantee yourself, you can provide other collateral to the bank to guarantee yourself, such as deposits and wealth management products. If the bank supports this operation, you can also get some time to raise repayment funds.
However, this requires you to have some valuable assets that are easy to realize. If these assets fail to pass the bank's audit, you should find ways to raise funds as soon as possible to avoid hurting yourself beyond the time limit.
4. If some assets in the hands of selling valuable assets have certain market value, you can try to realize these assets to obtain repayment funds, and then use them to repay the car loan. However, this has certain requirements for itself, and you need to have corresponding assets in your hand, so the scope of application may not be that big.
5. Borrow money from relatives and friends for repayment. If the car loan is not repaid due to temporary financial problems, you can also borrow money from relatives and friends, repay the car loan arrears first, and try to avoid overdue car loans. After the economic situation improves, you can repay the loans of relatives and friends as agreed and maintain your credit.
6. Auction of vehicles If you have tried various methods but still can't solve the debt problem, you will have to wait for the bank to deal with the mortgaged vehicles.
In this case, in order to protect their own rights and interests, the bank will dispose of the mortgaged vehicles according to the regulations, and the funds obtained after handling the vehicles will be used to repay the loans first.
Sometimes, in order to get the money back as soon as possible, the bank may sell the vehicle at a price lower than the market price, and there may be a situation that the funds obtained after the vehicle is disposed of are not enough to repay the loan, so it is necessary to make up the insufficient part, otherwise the debt cannot be settled.
It can be seen that if you don't get a car loan from the bank, you can try these methods to avoid overdue car loans as much as possible. Before applying for a car loan, you should consider your income comprehensively and apply for a loan reasonably within the scope of your personal economy.
You can check your online loan big data information in Winnie Hsin. The database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate and comprehensive.
3. How to get back the Green Paper after paying off the car loan?
After the car loan is paid off, you can get back the vehicle registration certificate (commonly known as the "Green Paper") by taking personal ID card, repayment bank card and other materials to the off-line business outlets of the handling bank (auto consumption finance company) to find the counter staff to handle the loan settlement procedures and handle the loan settlement certificate.
However, some handling banks (auto consumer finance companies) will directly mail the loan settlement certificate and vehicle registration certificate to after paying off the car loan, and wait patiently.
After getting the loan settlement certificate and vehicle registration certificate, you can take these two materials, personal ID card, vehicle driving license and other materials to the local vehicle management office to understand the mortgage procedures.
After the vehicle is released from mortgage registration, it really belongs to it.
If you apply for the car release service of the 4 S shop when you borrow money to buy a car, the bank (auto consumer finance company) will generally send the vehicle registration certificate to the 4S shop first, and then return it to the 4S shop after the staff of the 4S shop helps to release the car.
4. What should I do if the car loan is not paid back?
You need to provide the following conditions and procedures:
1, proof of salary income in recent 3 months.
2. Find a friend with a real estate to guarantee you (no need to mortgage anything).
3. Go to the place of residence and issue a residence certificate.
Choose the car you want to buy, and then borrow money from the dealer. There are generally two ways for dealer loans: bank loans and finance company loans. The interest rate of bank loans is low, but the approval is troublesome and difficult to pass; Finance companies have high loan interest rates, but the approval process is simple and the loan conditions are loose.
then
Provide the lender's ID card, household registration book, salary certificate, bank card starting with 6222, guarantor's ID card, real estate license and income certificate.
The dealer is responsible for applying for your loan, and the lender will review your conditions. Then, the dealer will be informed of your approval result.
After the dealer informs you to sign the loan contract, you can pick up the car bill.
Additional: 39 1 yuan, purchase tax (65,438+10,000 vehicles) 6,450 yuan, travel tax 420 yuan (12- the current month), and the total risk is about 5,000 yuan.
After the vehicle is completed, the dealer will handle the mortgage formalities for your car with the grade certificate (Great Green Paper).
At this point, the vehicle loan procedures have been completed. After the bank/finance company notifies the lender, you can repay the loan monthly.
Attach your loan conditions: down payment > = 30%; The longest loan period is 36 months. As for the financial service fee, it depends on the local or dealer policies.
This information was also successfully lent by a friend in an online loan company in Yin Ji. Cooperate with banks and get approval from CBRC. There are many banking products on the platform, and car loans are also one of their businesses. Personally, I feel quite formal. I suggest you consult.