1. What to do if car loans are deducted arbitrarily

1. If car loans are deducted arbitrarily, you can go to the bank that handles the loan business for consultation to learn about the problem of repeated bank deductions. As long as there is money in the card every month, the bank will automatically deduct the money. After applying for a car loan at the bank and filling out a series of things such as the loan contract, the bank will approve the loan. If payment was late last month, you need to notify the bank to deduct the loan for that month, otherwise the bank may deduct it again in the next period. If none of the above methods can solve the problem, you can go to the bank that handles the loan business for consultation.

2. Legal basis: Article 667 of the "People's Republic of China and Civil Code"

A loan contract means that the borrower borrows money from the lender and returns the loan when due and a contract to pay interest.

Article 671

If the lender fails to provide the loan in accordance with the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, the borrower shall pay interest on the agreed date and amount.

Article 675

The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.

2. What should you pay attention to when buying a car with a loan?

1. Have strong repayment ability;

After the loan institution accepts the application, it will review the borrower’s If the repayment ability is found to be insufficient, the loan will definitely be blocked. After all, no one wants to lend money to someone who cannot repay the debt.

2. The loan materials must be complete;

When applying for a car loan, the borrower must provide true, reliable and complete loan materials. If the materials are incomplete or fraudulent, not only will the bank If you are refused a loan, you may be on the "blacklist", making it even more difficult to get a loan again.

3. The loan amount must be reasonable;

Before applying for a loan, the borrower should determine a reasonable loan amount based on his own financial needs and repayment ability, and do not act blindly. If the loan amount is too low, you will have greater repayment pressure and pay more interest; if the loan amount is too low, it may not solve your financial problem.

4. Choose a good repayment method.

In the loan process, choosing the repayment method is also an important step. Choosing the right one will not only reduce your burden, but may also save you a sum of interest. Choosing the wrong one will cost you a lot of money in repayment. Brings a lot of trouble.