First of all, answer directly.

Whether the car loan can be refunded depends on the specific situation.

Second, the specific analysis

Generally, the problem that the car loan can't be done is not in the body, but in the case that the handling bank (auto consumption finance company) lends money in the chain or the car dealer has problems, the deposit can be refunded.

However, if the car loan is refused because of lack of credit, the deposit may not be refundable, and some may be refunded in full after applying for termination of the contract.

Others will not return the full deposit, but deduct some losses from it.

Others will directly refuse to withdraw in the name of "deposit" instead of "deposit".

Regarding the refund of the deposit, you can negotiate with the 4S shop in detail. Remember to specify the relevant terms of refunding the deposit after the car loan is rejected when signing the car purchase contract. You can ask the 4S shop to clearly mark a clause. If the car loan fails, the seller will refund the full amount to the buyer.

If the two parties fail to negotiate and want to get the money back, they can also try to contact arbitration.

Just look for it: Beijian Fast Loan Big Data Report, which will have your credit rating, whether there is a blacklist and so on.

Third, is the car loan review strict?

Car loan review is relatively strict, and under normal circumstances, lending institutions will be closed.

1. Is there a problem with credit reporting? When applying for a car loan, whether it is a bank report or not, there should be no record of non-performing loans in the credit information, and it is best not to have long-term loan records in the near future.

If there is something wrong with the credit report, it may lead to a car

If there is a problem with credit reporting, it will be more difficult to apply for a car loan. Formal lending institutions may not agree to the loan application. If they are not in a hurry, they can apply for a car loan later, but the credit repair is not a simple matter and takes a long time.

2. Does the income meet the requirements? After applying for a car loan, it is natural to have sufficient repayment ability. Therefore, lending institutions will pay more attention to the income situation. Generally speaking, the monthly income will be at least twice as much as the monthly car loan. If there are other outstanding foreign debts, this standard will be raised.

Judging from the proof of applying for car loan and the flow of income, if the income does not meet the requirements, the car loan application may not pass.

3. Whether the adult car loan is also a kind of loan requires the lender to be an adult in terms of compliance. If you are not an adult, you can't apply for a car loan, otherwise you will be directly rejected by the lending institution.

4. To have civil capacity, in order to prevent it, it is required to have full civil capacity, so that even if the car loan is not repaid in the future, the lending institution can still safeguard its rights and interests through legal channels and cannot let itself go because of physical reasons.

5. If the vehicle has a market value, the loan institution will require the vehicle to have a certain market value to ensure its rights and interests as much as possible. When applying for a loan, the lending institution is heavy.

6. Whether the first loan is repaid or not generally requires a minimum down payment of 30%. The down payment ratio of car loans applied by manufacturers may be lower, and the specific down payment requirements shall prevail. If you don't pay the down payment as required, the car loan application will naturally not pass.

7. Vehicles can be mortgaged, mainly in second-hand car loans. When buying a second-hand car, you may encounter some reasons why the motor vehicle loan has not been settled. In this case, applying for a car loan will not pass.

It can be seen that if you want to successfully apply for a car loan, you can first prepare your own information and consult the lending institution to see if you meet the loan conditions.

In addition, when paying the car deposit, you can sign a written agreement with the 4S shop. If the loan fails, the deposit can be refunded in full.

Second, can't the car loan be refunded?

You usually need it.

And you need to pay for it yourself.

3. Can I refund the deposit if the financial review of buying a car is rejected?

The car loan was rejected and the deposit was refunded;

1.

If the loan to buy a car is not approved, the deposit will be refunded. If the deposit is paid, it will not be refunded;

2.

Deposit means that the parties may agree that one party shall pay the deposit to the other party as the guarantee of creditor's rights. After 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 agreed debt, it has no right to demand the return of the deposit; If the party receiving the deposit fails to perform the agreed debt, it shall return the deposit twice;

3.

According to the relevant provisions of China's current laws, it does not have the nature of deposit, and the party paying the deposit claims the right of deposit.

Fourth, the car loan was not approved. Can the deposit be refunded?

If the loan is not approved for our own reasons, the deposit should be refunded. Generally speaking, 4S stores have related processes, so just follow the process. However, if you can't apply for a loan because of your own credit information, under normal circumstances, the deposit will not be refunded, and you can negotiate a refund with the 4S shop.

What if the car loan application is unsuccessful?

If the car loan application is unsuccessful, the customer can first inquire about the reasons for refusing the loan. If the information provided is insufficient, the customer can supplement and improve the information before applying for a trial.

And if it's because you missed the return call from the bank or lending institution, the customer can call back and reapply.

Also, if the personal debt ratio is too high, customers can pay off part of the debt first, and then apply after the personal debt ratio drops.

However, if there are problems with personal credit, such as overdue records in the credit report, in this case, customers may not be able to apply again in a short time, and most applications will be rejected. It is recommended that customers pay off their debts first, and then maintain good credit and improve the credit of their accounts. Wait until the new good record covers the old bad record before applying for a car loan.

If it is because of their average economic conditions and repayment ability, then customers can try to find a person with good credit or a professional guarantee company to guarantee their loans, which can improve the chances of loan passing.