; ? If the car loan is approved but the contract is not signed, it can be cancelled, and there is no need to handle related loan business. As for the handling fee, it can be decided according to the situation at that time, and it is generally not refundable.
You can go back on your word if you don't take the car loan, but it will have some influence according to the actual situation. If the audit result is passed, but the contract has not been signed and the car loan has not been released, this situation is relatively easy to solve, and the loan is directly cancelled, and then the 4S shop directly negotiates according to the car purchase contract.
If the car loan has been lent, it will be more troublesome to apply for repayment at this time. Generally, you can only repay the loan in advance, but it will take one year, otherwise there will be liquidated damages and handling fees. Moreover, there will be a certain loan record, which will even have a certain impact on credit information.
In short, you should be clear about your thoughts before applying for a loan, and it is best not to wait until the loan is released to regret it. Cancelling the loan is not a simple matter. If the degree is relatively light, you have to pay liquidated damages and handling fees. If it is serious, you will have a credit record, and a bad credit record may affect your future economic life. Simply put, if there is a record of account cancellation, it is likely to affect the next loan.
Can I repay the car loan without picking up the car?
You can apply for a refund if you don't buy a car after the car loan is approved, but the handling methods are different according to the car loan status. If the car loan applied by the user is not approved, or the car loan contract has not been signed with the lending institution after approval, the car loan applicant can directly choose to cancel the car loan application.
If the car loan passes, the user has signed a car loan contract with the lending institution. After the contract is signed, the loan application cannot be revoked, and the repayment business can only be handled in accordance with the contract. Once this happens, users can choose to pay off the car loan in one lump sum, end the loan contract and pay a certain penalty.
Therefore, if users don't want the loan amount, they need to analyze it according to their current situation. Then find the most suitable way to deal with it, and it is very necessary to reduce the extra capital expenditure in this process.
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Extended data:
4S shop has the right not to return the car
Usually when we buy a car, we need to sign a car booking contract, and the signing of this contract means that consumers and 4S stores have formed a contractual relationship, so consumers have no right to make unilateral changes. Therefore, from a legal point of view, 4S stores have every reason to refuse consumers' requests for returning cars.
4S stores have the right to deduct the deposit.
According to Article 587th of the Civil Law of People's Republic of China (PRC), if 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 debt or the performance of the debt is not in conformity with the agreement, thus the purpose of the contract cannot be achieved, it has no right to request the return of the deposit.
Therefore, the consumer decided to return the car before picking it up. This kind of behavior is a unilateral breach of contract, and the 4S shop will deduct your car purchase deposit with a high probability (the deposit cannot be refunded, and the deposit can be refunded).
Can I go back on my word if I get the car loan and haven't picked up the car yet?
Whether you can go back on your word if you don't take the car loan depends: 1. If the audit results pass, but the contract has not been signed and the car loan has not been released, this situation is relatively easy to solve and you can go back on your word; 2. If the car loan has been released, it will be more troublesome to apply for repayment at this time. Generally, you can only repay the loan in advance, but it takes one year, otherwise there will be liquidated damages and handling fees. Moreover, there will be a certain loan record, which will even have a certain impact on credit reporting, and you can't go back on your word.
First, can I go back on my word if I haven't picked up my car after getting a car loan?
1. Whether you can go back on your word if you don't mention the car after getting the car loan depends on the situation:
(1) If the audit result is passed, but the contract has not been signed and the car loan has not been released, this situation is relatively easy to solve and you can go back on your word;
(2) If the car loan has been released, it will be more troublesome to apply for repayment at this time. Generally, you can only repay the loan in advance, but it takes one year, otherwise there will be liquidated damages and handling fees. Moreover, there will be a certain loan record, which will even have a certain impact on credit reporting, and you can't go back on your word.
2. Legal basis: Article 585 of the Civil Code of People's Republic of China (PRC).
The parties may agree that when one party breaches the contract, it shall pay a certain amount of liquidated damages to the other party according to the situation of breach of contract, and may also agree on the calculation method of the amount of compensation for breach of contract.
If the agreed liquidated damages are lower than the losses caused, the people's court or arbitration institution may increase the liquidated damages at the request of the parties; If the agreed liquidated damages are excessively higher than the losses caused, the people's court or arbitration institution may appropriately reduce them at the request of the parties.
If the parties concerned pay liquidated damages for delayed performance, the breaching party shall also perform the debt after paying the liquidated damages.
2. Can I change my car if I haven't picked it up after getting a car loan?
You can't change a car without receiving a car loan, which may delay valuable time, pay liquidated damages and handling fees, and even generate credit records, which will affect your future economic life.
I got the car loan. Can I return it?
If the car loan has been approved, after all, the borrower has signed a loan contract with the bank or lending institution, and it is easy to fail to return it: 1. But if the borrower is not going to buy a car, he can negotiate with the dealer. And if the dealer agrees to terminate the transaction, he will transfer the money released by the bank back. After receiving the transfer money, the borrower may apply to the bank or lending institution for early repayment. When the banks and lending institutions have passed the examination and approval, the borrower can return the loan money to the banks and lending institutions; 2. If you only prepay, you may need to pay a certain penalty. When terminating the transaction with the dealer, it may be necessary to pay liquidated damages, so the borrower will have certain economic losses; It is suggested that you should carefully consider whether you are applying for a car loan or any other loan before applying, and make sure that you want a loan before applying. In case you regret halfway, you have to cancel the agreement. Not only is it troublesome, but it will also cause losses.