The loan for buying a car has come down. If it doesn't work, you can return it. According to the prepayment calculation, you need to pay liquidated damages.
(1) Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.
(2) prepayment with the same loan term: the loan bank instructs the borrower to fill in relevant agreements. If the original loan guarantee method is mortgage insurance and mortgage registration has not been done, you need to go to the insurance company designated by the city center to go through the formalities of reducing the insured amount with the original policy, your ID card and relevant agreements, and the final agreement should be sent to the corresponding sub-center by the loan bank in time.
③ If the original loan guarantee method is mortgage insurance and the mortgage registration has been completed, the borrower who chooses non-mortgage insurance applies for partial repayment in advance and shortens the loan term: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center in time by the loan bank.
④ The mortgage insurance selected by the original loan guarantee method is still within the insurance period, and the mortgage registration has not been handled: the borrower can apply for partial repayment in advance and shorten the loan period, and can directly handle it at the guarantee center.
Can I refund the car loan?
Car loans can be refunded. If you return the car for personal reasons, you need to pay liquidated damages. If the consumer asks the bank to cancel the loan, if the loan behavior is true, the bank is not at fault, and the cancellation of the loan requires payment of liquidated damages. The liquidated damages shall be borne by the wrong party. If there is evidence that the car seller is at fault, it shall bear it. If it cannot be proved, it shall be borne by the consumers themselves.
Even if the owner doesn't want the car, he can only get the ownership of the car through advance payment and then sell it. Car owners can try to pay off the loan in advance:
1. Contact the next buyer who is interested in buying a car.
2. Look for second-hand car dealers with acquisition intentions.
3. The owner himself will go to other lending institutions to apply for loans.
If one party fails to perform the non-monetary debt or the performance of the non-monetary debt does not conform to the agreement, the other party may demand performance, except in any of the following circumstances:
It is legally or practically impossible to enforce.
The subject matter of the debt is not suitable for compulsory performance or the performance cost is too high.
The creditor fails to demand performance within a reasonable time limit.
If the quality does not conform to the agreement, it shall bear the liability for breach of contract in accordance with the agreement of the parties. If the liability for breach of contract is not stipulated or clearly stipulated and cannot be determined according to Article 61 of the Contract Law, the injured party may reasonably choose to ask the other party to bear the liability for breach of contract such as repair, replacement, rework, return, price reduction or reduction of remuneration. According to the nature of the subject matter and the size of the loss.
Can I get a refund after the bank car loan is approved?
If the bank car loan passes, you can get a refund: 1. That depends on whether you have a corresponding contract or oral agreement with the car dealer. For example, "the vehicle has no quality problems and the deposit is not refundable"; 2. Terms such as "the loan can be refunded without approval" or verbal agreement. If there is no verbal agreement, it is theoretically refundable; 3. When a car loan takes effect in a bank, it generally needs to meet many conditions, such as signing a contract, making a loan, licensing a vehicle, etc. If you don't sign a contract or make a down payment, you can theoretically give up before you finish it.
Can I get a refund after the car loan?
Generally speaking, if you get a car loan, you can refund it if it is useless. This should be calculated according to prepayment, and there are two main payment methods for liquidated damages:
1. Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.
2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement.
But the liquidated damages are actually a lot of money, so try not to refund them. I hope my answer can help you.
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.
Type of automobile loan
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.
The specific steps of buying a car by credit card in installments are roughly as follows:
1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.
2. The cardholder holds his ID card to the dealer's site to fill in the installment order for car purchase and submit it to the bank for review.
3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.
4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.
5. I can finally drive away smoothly.
loan limit
The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Letter of credit clause
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
Can I repay the car loan without picking up the car?
You can apply for a refund if you don't buy a car after the car loan is approved, but the handling methods are different according to the car loan status. If the car loan applied by the user is not approved, or the car loan contract has not been signed with the lending institution after approval, the car loan applicant can directly choose to cancel the car loan application.
If the car loan passes, the user has signed a car loan contract with the lending institution. After the contract is signed, the loan application cannot be revoked, and the repayment business can only be handled in accordance with the contract. Once this happens, users can choose to pay off the car loan in one lump sum, end the loan contract and pay a certain penalty.
Therefore, if users don't want the loan amount, they need to analyze it according to their current situation. Then find the most suitable way to deal with it, and it is very necessary to reduce the extra capital expenditure in this process.
Extended data:
4S shop has the right not to return the car
Usually when we buy a car, we need to sign a car booking contract, and the signing of this contract means that consumers and 4S stores have formed a contractual relationship, so consumers have no right to make unilateral changes. Therefore, from a legal point of view, 4S stores have every reason to refuse consumers' requests for returning cars.
4S stores have the right to deduct the deposit.
According to Article 587th of the Civil Law of People's Republic of China (PRC), if the debtor performs the debt, the deposit shall be used as the price or recovered. If the party paying the deposit fails to perform the debt or the performance of the debt is not in conformity with the agreement, thus the purpose of the contract cannot be achieved, it has no right to request the return of the deposit.
Therefore, the consumer decided to return the car before picking it up. This kind of behavior is a unilateral breach of contract, and the 4S shop will deduct your car purchase deposit with a high probability (the deposit cannot be refunded, and the deposit can be refunded).
This is the end of the introduction about whether the car loan can be refunded after approval and whether it can be refunded after approval. I wonder if you have found the information you need?