If you have a CCB credit card, you can apply for the car installment business of CCB. Suppose the installment you apply for is 6,543.8+0.2 million, and there are 24 installments, then the installment amount will be settled in each installment, and the handling fee will be charged once in the first month. Because different models have different handling fees in different periods, you can go to the CCB credit card website and click on the car purchase installment to learn more. Assuming that the handling fee is 6%, the installment amount of the first phase is 120000/24=5000, and the installment fee is 1200000.6%=7200. The installment of the first phase is 5000+7200= 12200, and the installment amount of each subsequent phase is 5000. Each installment will record the installment amount, so that you can repay on time.
What process should China Construction Bank take to repay the car loan in advance?
The repayment process of CCB car loan is:
1. Deposit the money into the bound repayment account on schedule according to the repayment plan agreed upon when signing the car loan contract;
2. By the repayment date of each installment, the CCB system will automatically deduct the current payment from the repayment account bound by the borrower;
3. The borrower pays off the car loan, goes through the formalities of car loan settlement at CCB's business outlets, and asks CCB to issue a loan settlement certificate and retrieve the vehicle registration certificate;
4. Bring ID card, vehicle driving license, vehicle mortgage certificate, loan settlement certificate and other materials to the local vehicle management office to understand the mortgage procedures;
5. Go to the insurance company and change the first beneficiary of auto insurance from CCB to yourself.
Of course, if the borrower wants to repay the loan in advance, he can also apply to CCB. After CCB allows him to prepay, the borrower can deposit the prepayment amount into the repayment account and let CCB deduct it.
When making repayment, the borrower must always pay attention to the fund movement of the repayment account to avoid overdue. If the repayment cannot be made on time for some reason, it is suggested to contact CCB for negotiation to see if the repayment can be postponed.
1. How many repayment methods are there for car loan?
1, average capital: that is, the same principal and current interest are paid every month. Current month's interest = loan interest rate of remaining loan principal/12. Among the repayment methods of average capital, car buyers are under great pressure to repay in advance, and the monthly repayment amount decreases month by month.
2. Matching principal and interest: As the name implies, the sum of principal and interest repaid by matching principal and interest every month is the same. Specifically, in this repayment method, the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. So the total interest will be higher than the repayment method in average capital.
3. Pay the interest first and then pay it back. That is, car buyers only need to pay the same amount of interest every month, and then repay the loan principal in one lump sum when the loan expires.
These are some common repayment methods. In addition, there is a special repayment method. Some lending institutions will charge pre-interest to car loan users, that is, all interest will be collected together with the down payment, and the principal will be shared monthly.
Second, what are the consequences of car loans?
If the car loan is overdue, the worst consequence is that the bank will take back the car and auction it, and the car buyer will also have a bad record.
Consequences of not repaying the loan:
1. The lending bank will collect overdue loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. 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.
Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future.
3. If you are not maliciously in arrears with the bank loan and are able to pay the interest on the normal loan, I suggest you apply to the loan bank for loan extension first, stating your willingness to repay, and there is no fact of repaying the loan for the time being and no plan for repayment in the future. Normally, the bank will help you.
Can CCB pay part of its credit card car loan in advance?
The vehicle loan of CCB can be repaid in advance, but an appointment is required. You can apply by phone. Banks need to make an appointment about 0/5 days in advance. Different institutions have different regulations, so you can learn more about loan applicants.
Pre-repayment skills of CCB car loan;
1. Notify the bank to prepay, and apply to the relevant bank departments for prepayment.
2. Prepare relevant loan materials, such as loan contract and my ID card, after obtaining the bank's permission to repay in advance.
3. Go to the accounting counter designated by the bank for prepayment.
4. After paying off the CCB car loan, you need to go to the vehicle management office to cancel the mortgage.
Extended data:
Precautions:
There is no limit on the number of times to repay the car loan in advance, and it can be paid off in full or in part. It's just that the starting amount of each loan repayment is different from bank to bank. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, and some banks stipulate that the loan can be repaid in advance if it is more than 1000 yuan.
The prepayment will be made according to the provisions of the automobile mortgage contract. If the loan fails to reach the one-year prepayment period, a penalty of 3% of the prepayment amount will be charged; if it is repaid two years ago, a penalty of 2% will be charged; if it is repaid two to three years ago, a penalty of 1% will be charged.
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What are the requirements for CCB's car loan repayment?
CCB provides various repayment methods for car loan repayment. If the borrower wants to repay the loan in advance, he needs to inform CCB in advance and get the consent. After the borrower repays the principal and interest, it needs to go through the corresponding mortgage registration cancellation procedures and return the property certificate. CCB's requirements for car loan repayment specifically include the following four aspects:
1, repayment method
Individual car loans are repaid in various ways, such as equal principal and interest repayment, average capital repayment, equal (equal ratio) progressive repayment, etc. If the loan term is within 1 year (including 1 year), the principal and interest can also be repaid in one lump sum at maturity, and the interest will be paid with the principal.
2. Repay the loan in advance
If the borrower repays the loan principal and interest in advance, it shall notify the Construction Bank one month in advance and obtain the consent of the Construction Bank.
Step 3 cancel the mortgage
After the loan principal and interest are paid off, the signed Automobile Consumption Loan Contract will automatically terminate. The Construction Bank shall handle the mortgage registration cancellation procedures within 30 days after the termination of this contract, and return the property certificate and other documents to the borrower.
4. Longka Repayment
Individual customers who repay through Longka can deposit the current repayment amount into the credit card or savings card of the local savings outlets of China Construction Bank before the repayment date (interest settlement date), which will be collected by the handling bank.
This is the end of the introduction on how to repay the car loan with CCB credit card and how to repay the car loan with CCB. I wonder if you have found the information you need?