1. The lending bank will collect the loan according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the lending bank will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property.

2. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses.

Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

3. Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and loans in the name of individuals will also be recorded as overdue loans in the national personal credit information system.

4. If you don't owe the bank a loan in bad faith and have the ability to pay the interest on the normal loan, it is recommended to apply to the loan bank for an extension of the loan first, explaining the willingness to repay, the fact that you haven't repaid the loan for the time being and the plan for repayment in the future. Under normal circumstances, the bank will give a grace period.

Second, how to deal with car loans?

1. If the car loan is not paid, you can try to apply for a credit loan from the bank; 2. Cash out with a credit card to temporarily ease the car loan; 3. Lending institutions can apply for extension to ease the loan pressure; 4. If the car loan cannot be repaid and is affected, you can apply online. The bank suggested that if the debtor fails to perform the judgment after the judgment,

How to deal with the car loan?

1. If the car loan is not paid, you can try to apply for a credit loan from the bank; 2. Cash out with a credit card to temporarily ease the car loan; 3. Lending institutions can apply for extension to ease the loan pressure; 4. If the car loan cannot be repaid and is affected, you can apply online.

If the debtor fails to perform after the judgment, the bank may apply for compulsory execution. If the debtor has the ability to execute the judgment, but refuses to execute it, the serious circumstances will constitute the crime of refusing to execute the judgment. If the performance is really difficult, it will also extend the performance time. Whoever refuses to execute a judgment or ruling that the people can execute, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.

The debt should be paid off. If it cannot be repaid temporarily, the debtor may repay it by installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay are forced to repay by the people. In practice, there are two different situations in which the debtor is unable to repay: one is temporarily unable to repay. If this is the case, it can be repaid by the debtor in installments according to the relevant provisions of the General Principles of the Civil Law.

What if the car loan is not paid back?

Customers who borrow money to buy a car will start to consider repayment after they get the loan funds, but what if their personal economic situation changes during the repayment process, resulting in inability to repay?

1. Apply to the bank for extension.

If the loan is not paid for the time being, you may wish to contact the bank and see if you can apply for an extension. Generally speaking, if the borrower is temporarily unable to repay the loan for some reason, the time limit will be extended after verification by the bank.

2. Borrow money from relatives and friends

If you want to keep your car, you can also borrow money from relatives and friends to repay the loan, and then pay it off one by one when you have enough money. However, when borrowing money, it is best to make an IOU and repay it in full and on time. As the saying goes, "It's not difficult to borrow after borrowing."

3. Waiting for the bank to auction the car

If the bank fails to repay the loan after repeated collection, the bank will auction the car, and the proceeds will be used to repay the loan principal and interest first, and the remaining funds will be credited to the borrower's account. Therefore, Bian Xiao suggested that when applying for a car loan, you must determine a reasonable loan amount and term according to your repayment ability to avoid the trouble caused by excessive repayment pressure! What should I do if the car loan is not paid back @20 19

Third, buy a car by stages. What if the loan is not repaid?

First of all, it can be said that buying a car by loan is different from buying a house by loan, but the house can be mortgaged by real estate license, but the car can't be mortgaged, because the driving license is necessary for the car to go through jjyy formalities. There are three kinds of loans now, 1 is the bank's credit card overdraft to buy a car. Now some banks do this business, some generally don't pay 40% down payment, and the interest for the remaining two years is different (CCB has done interest-free but only cooperated with some manufacturers). 2 is 3x3, which means that the down payment is 30. The common 3 is 20% down payment, and the remaining five years are mortgaged with real estate (maybe other valuable things are ok, but most banks require mortgage), and then the bank will help you pay the full amount to buy a car. Your loan relationship has nothing to do with the bank and the car itself ~ ~ Generally speaking, the more down payment, the less interest you bear ~ ~ Bus with less than 6 seats = insured amount × 65438+0.2% bus with less than 6 seats in 240 yuan = insured amount. Passenger cars with more than six seats: 50,000 seats 1053 yuan, 654.38+10,000 seats 13 14 yuan. 3. Theft and rescue throughout the year: the passenger car rate of less than 6 seats1%; The rate for passenger cars with more than six seats is 0.8%. Santana series car rate is 1. 1%. The calculation formula is: premium payable = insured amount × rate 4. No deductible insurance: (car damage insurance premium, third party premium) ×20%5. Credit insurance: based on the loan amount, calculated annually: 1 year 1% to 2.2% for 5 years. The guarantee fee is based on the loan amount. According to the number of years, the one-year period is 1%, and the five-year period is 3.5%. 1-1February 4.78% 0.44% April 4.94% 0.4575%1March-March 4.941%0.4575% 37-April 5.00. Additional tax payable for vehicle purchase tax (before the implementation of the new regulations) (domestic vehicles) = vehicle payment (including tax)/1. 17 × 10% V. Vehicle inspection registration fee is 300-500 yuan. The intransitive verb vehicle and vessel use tax is about 200 yuan/year, and the road maintenance fee (5 cars) is 6500.

Fourth, what if the manufacturer can't afford the financial car loan?

If you can't afford it in a short time, you can negotiate with the platform to explain the practical difficulties. If you can understand it, you will delay it. If they don't understand, they will be overdue in a short time. If they have money, they will return it soon. If they can't do it for a long time, they will sell the car, settle the car loan of the manufacturer at one time, and then count the loss as their own!