1. Calculate the interest and late fee for three months first.
Interest overdue for three months: calculate the interest payable within the overdue period according to the interest rate agreed in the car loan contract.
Late payment fee: according to the agreement in the car loan contract, the late payment fee is calculated according to a certain proportion within the overdue period.
2. Second, calculate the remaining installment balance.
Remaining installment balance = total car loan-paid principal-paid interest-paid overdue fine.
3. Third, settle the remaining installments.
When the vehicle is in loans overdue, the bank or financial company has the right to take legal measures to recover the money. After the borrower is overdue for three months, if he can repay the remaining installment in one lump sum, he shall pay the overdue interest, overdue fine and the remaining installment to the bank or finance company.
Summary:
If the remaining installment payment is paid off in one lump sum after three months overdue, it is necessary to calculate the overdue interest and overdue fine, and then calculate the remaining installment payment. Finally, repay the interest, late payment fee and the remaining installment payment in one lump sum.
Extended data:
Overdue repayment will have a negative impact on personal credit records, which may lead to a decline in credit rating and a bad credit record. Therefore, in case of financial difficulties, it is suggested to communicate with banks or financial institutions in time and make repayment plans as soon as possible to avoid risks and problems caused by overdue repayment.
Please note that the above answers are only based on the description of the problem and do not provide specific legal advice. For accurate calculation and answer, please consult relevant financial institutions or refer to relevant laws and regulations.
The above is the answer about "the car loan is overdue for three months, and the remaining installment payment is paid off in one lump sum". I hope I can help you.