You can check whether the words mortgage car are printed on the vehicle registration certificate. If there is a mortgage car, prove that your car is a loan car. Or you can check with the vehicle management office and the insurance company. When the loan car is mortgaged, the vehicle management office will put it on record. Check with the insurance company who is the insurance beneficiary. If the beneficiary is a lending institution, prove that the car is a loan car.
pay attention to
Generally speaking, when the lender pays off the loan, he will go to the 4S shop to dismantle the GPS positioning device. However, it is ok for the owner to pay for the GPS fees installed on the loan car, and some people are unwilling to dismantle it because of this, mainly because of the owner's own opinions. If it is the car's own GPS system, there is no need to pay.
How to check your car loan?
How to inquire about your car loan;
1. Enquiry about the business outlets of loan banks
After the loan, if you want to check the loan records, you can bring your ID card to the bank counter. The bank staff will ask you to fill out the credit report inquiry application form and submit it. After the submission is successful, the staff will help you print your personal credit report.
Step 2 call and ask
Call the loan bank service hotline and follow the voice prompts. If you can't operate, you can go to manual service, and the staff will help you deal with it.
3. Online banking inquiry
Search official website, a loan bank, on the webpage, enter, select the special services of branches, and then select personal loan information for inquiry.
4. Inquiry of Credit Information Center
Go to the credit information center of the local people's bank to inquire about the loan records of the Dala people, and you can also inquire about your own repayment records, outstanding funds and other loan information. There are only two opportunities to check the credit report for free every year, and a certain fee will be paid for the third check.
1. 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 provide RMB-guaranteed loans to car buyers who don't 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.
Second, personal loan car purchase business can be divided into three types: 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, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. 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.
How to check the car loan
1. Individuals carrying personal identity documents can inquire at the Credit Information Center of the People's Bank of China or directly at the personal credit information service platform of the bank;
2. Inquire at the bank or loan company that has handled the loan business;
3. Inquire about car loan records in personal online banking;
4. Make online inquiry through the service telephone of the lending institution.
The above are four ways to query car loan records.
Introduction to automobile loan
Automobile loan, also known as automobile consumption loan, refers to the amount that the borrower borrows from the lender because of the need to buy a car. Generally speaking, automobile consumption loan is a new loan method that banks provide loans to car buyers at their associated car dealers. Among them, the loan period of new cars is usually within five years, the loan period of used cars including extended loans is limited to three years, and the loan period of car dealers is within one year. At the same time, the borrower of car loan also has corresponding requirements. Specifically, the borrower must be a permanent resident of the place where the loan bank is located, and the individual has full capacity for civil conduct.
How to inquire about auto loans?
If you know the information, you can query it in the following three ways:
1. Network query. Lenders can apply for checking the loan balance at the counter of the business outlets of nearby loan banks with their ID cards; You can also ask the bank staff to help print the repayment schedule within one year after the inquiry.
2. Online banking inquiry.
First, the lender can find "my loan" in the "personal loan" of online banking after opening online banking.
Second, you can find all the loan records by entering personal information in it.
3. Customer service telephone inquiry. Lenders can also call the customer service phone of the loan bank for inquiry. But this method can only obtain a single information of the loan balance.
Extended data
Conditions for lenders to apply for loans
1.18-a natural person aged 60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed).
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.