1, the car loan is overdue for more than one year, and the treatment is as follows:

(1) If the borrower has the ability to repay the loan, the borrower should repay the loan as soon as possible. Only when the borrower pays off the debt first can he eliminate his credit stain;

(2) In case of inability to repay the loan, the borrower must negotiate with the bank. If the borrower is really unable to repay in full, he should contact the bank to express his willingness to repay and apply for repayment by installments. Borrowers can also choose to hand over their cars or real estate to the bank, and the money obtained from auction of cars or real estate will offset the debts of the bank.

2. Legal basis: Article 675th of the Civil Code of People's Republic of China (PRC).

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and 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.

Article 676

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

2. What are the repayment methods of bank loans?

1, interest first, also known as the final settlement method. The borrower pays off the principal and interest of the loan on the maturity date of the loan and repays the interest on a monthly basis;

2. Equal principal and interest repayment method. Repay the loan principal and interest in equal amount every month during the loan period;

3. Average capital repayment method. During the loan period, the loan principal will be repaid in equal amount every month, and the loan interest will decrease with the principal month by month;

4. Equal ratio progressive repayment method. The borrower repays the loan in a certain proportion in each time period, in which the amount returned in each time period includes the interest and principal payable in that time period, which shall be repaid in installments according to the repayment interval, and all the principal and interest shall be paid off before the loan deadline;

5. Equal progressive repayment method;

6. Combination repayment method. It is a repayment method that repays the loan principal in installments and calculates the interest according to the actual occupation time of funds.