1. Advance repayment requires an appointment. Advance repayment requires an appointment. You can apply by phone. Generally, banks should make an appointment about 15 days in advance. Different institutions have different regulations. You can learn more about the institutions that apply for loans.

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2. Prepayment requires relevant materials. Prepayment of auto loans requires relevant materials, including: ID card (principal applicant, owner), repayment card, temporary residence permit (owner's non-registered place), original repayment form of last month's motor vehicle registration certificate and other materials specified by the organization.

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Three, fill in the loan application form, after being notified by the other party, to apply for loan institutions to collect the application form to fill in.

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Four, telephone notification, after approval, the applicant will telephone notification.

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5. Repay in advance. After the formalities are completed, deposit the money into the account and make repayment.

Second, how is the car mortgage loan repaid?

The repayment methods in automobile mortgage mainly include: equal principal repayment, equal principal and interest repayment, installment repayment, intelligent repayment and worry-free intelligent repayment.

Matching principal repayment: the repayment amount of each installment is decreasing, the loan term is 13 -60 months, and the down payment is as low as 20%, which is suitable for customers who pursue high cost performance, high income and stable cash flow.

Matching principal and interest repayment: the monthly repayment amount is the same, the loan term is 13 months -60 months, and the down payment is as low as 20%. Suitable for customers with a balanced and stable monthly income.

Installment repayment: the loan is divided into several stages, each stage contains several repayment stages, each single repayment stage has a different total amount. Its characteristic is low monthly supply, which is suitable for people whose cash flow fluctuates greatly but is relatively regular. At the end of the loan, the customer has two choices, one is to pay the final payment in full, and the other is to replace the used car.

Intelligent repayment: the loan is divided into two parts, the first part and the last part, which are repaid separately. At the end of the loan, the customer has three choices: one is to pay the final payment in full; Second, apply for extension 12 months; The third is the replacement of used cars. It is characterized by low monthly payment, which is suitable for customers with avant-garde and fashionable life, large demand for vehicle renewal and a large amount of extra income in a certain period of time.

Worry-free wisdom repayment: commonly known as "half loan and half payment". When the loan is repaid 50%, the customer has three choices: one is to pay the final payment in full; Second, apply for extension 12 months; The third is the replacement of used cars. Compared with smart repayment, the monthly payment is lower, which is suitable for people with certain savings, large cash flow fluctuation, avant-garde lifestyle and great demand for vehicle renewal.

Third, how to repay the car loan process

You only need to deposit the installment amount into your personal bank account for car loan repayment, and the bank will automatically withdraw it regularly. The interest accumulated for the remaining days of the purchase month will be paid back next month. Therefore, the loan interest in the first month of repayment is slightly higher than the agreed repayment amount, which is determined by the loan interest rate, which changes with the change of the benchmark loan interest rate. If prepayment is required, an application shall be submitted according to the contract and the corresponding late payment fee shall be paid.

Automobile mortgage's repayment method

1, equal repayment of principal and interest

After deducting the interest payable from the equal repayment amount, the repayment principal of the current month is formed. At the initial stage of repayment, due to the large loan balance, interest accounts for a large proportion of monthly repayment, and the repayment speed of principal is relatively slow. With the passage of time, the loan balance gradually decreased, the proportion of interest gradually decreased, and the proportion of principal gradually increased.

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Average capital, namely car loan, is the average capital repayment method chosen by borrowers after car loan. During the repayment period, the principal and the remaining loan amount are fixed, while the interest is getting less and less, and the monthly repayment amount of the lender's first repayment is also increasing.

Monthly repayment amount = (accumulated loan principal) × monthly interest rate

3. Smart repayment

① One-time return of the balance payment when due.

(2) Refinancing the balance, applying for loan extension 12 months.

③ Return the final payment through vehicle replacement.

4. Worry-free wisdom repayment

Half the loan, half the payment, and 50% at the end of the loan.

Extended data:

Conclude and sign

1, target

When buying and selling, it is necessary to clearly determine the brand, origin, manufacturer, model, batch number and matching of the car, even determine whether to repair or stock the car, determine the mileage of the odometer, and write down the engine number, car number (frame number) and other codes of the car itself and the car identification number to prevent the car dealer from replacing the car.

2. Price

Make clear the contents of the seller's quotation, and list the total price of the vehicle transaction, whether it is the bare car price or the package price. Insurance, license fees, taxes and fees, and agency fees related to car purchase, such as sales, auction of license plates, licensing, decoration, car pick-up or car delivery.

Step 3 deliver

The contract should specify the time, place and method of car delivery, as well as the way to find the car when it is delivered. At the same time, the time of payment should be clear.

When handing over the car, the buyer should not only get the keys and the car, but also have the customs import certificate and commodity inspection list of the car and the imported car, the warranty card and instructions, the previous maintenance records of the used car, the list of tools and accessories attached to the car, the vehicle driving license or mobile license plate, the vehicle product manual, product instructions and insurance policy.

4. Quality, maintenance and after-sales service

Matters such as vehicle quality, maintenance and after-sales service should also be clarified to prevent fake and shoddy products and after-sales service from being neglected.

5. Liability for breach of contract

The liability for breach of contract needs to be agreed. Once the breach of contract is determined, what responsibility should the breaching party bear, how to bear the responsibility, the way to solve it and the jurisdiction of the contract. If it is clear that the dealer delays the delivery of the car, how much penalty should be paid or the car should be returned. Deposit is a common way to ensure the performance of the contract.

6. Dispute settlement

Disagreement on the matters agreed in the contract is a dispute, and the method of solving the dispute is always negotiated at the beginning.

7. Pay attention to the details ignored by dealers.

When signing a contract, consumers should pay special attention to the details of the distributor's contractual responsibility, such as the way, place and time of delivery; Maintenance, repair and other after-sales services (what kind of obligations should the dealer undertake), whether the free maintenance is based on time or mileage, and whether the responsibilities of both parties are equal after violating the delivery time?

8. Names must be consistent.

Confirm that the name stamped by the seller must be consistent with the name on the car purchase contract and invoice. If there is inconsistency, even if the subject of litigation is unknown, it is very unfavorable to consumers. If you buy imported cars, it is difficult to protect the rights and interests of car buyers without knowing the subject of the contract because of the existence of multi-level agents.

9. Contact between the car return clause and the three guarantees clause

Many car dealers refuse to return their cars when they encounter quality problems, even if they can't repair them well. When signing a car purchase contract, it should be clearly stated that if the car is a defective car product, the car manufacturer (including the importer) has the obligation to repair, replace and take it back.

10, conditions for the contract to take effect

A contract shall take effect after being signed or sealed by the parties, but it may also be agreed to take effect under certain conditions. A loan to buy a car may come into effect after the bank agrees to the loan.