Generally speaking, if you get a car loan, you can refund it if it is useless. This should be considered as prepayment. There are two main payment methods for liquidated damages: 1. Prepayment: the loan bank will go through the prepayment procedures after verifying the relevant materials. 2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. But the liquidated damages are actually a lot of money, so try not to refund them. I hope my answer can help you. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. Car loan type Personal loan car purchase business can be divided into direct loan, indirect loan and credit card car loan. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder holds his ID card to the dealer's site to fill in the installment order for car purchase and submit it to the bank for review. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. 5. I can finally drive away smoothly. The maximum loan amount generally does not exceed 80% of the price of the purchased car. Loan conditions 1, valid identity and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions stipulated by the Cooperation Organization.
2. Can I return the car I bought with the loan?
If you have already picked up the car, you can't return it, because your information has been uploaded to the bank, and the bank has already credited the money to the 4s shop account.
Third, the mortgage car can't afford the loan. Can I get a refund at the 4s shop?
That's impossible. You can sell your car to a 4s shop as a used car, but I won't agree! Simply put, there are three kinds of general car loans: bank loans, auto financing companies and credit cards. Comparatively speaking, bank loans are more cost-effective. First of all, I need some personal documents, ID cards, real estate licenses, income certificates and so on. Then the review time is generally 2 to 3 working days. If you have loan experience before, it is best to be in the original loan bank, so the credibility will be higher. Interest rate, difficulty in application and degree of benefit-three ways of car loan compete with direct bank loans, and the interest rate is quite low and the application is difficult. The advantage of direct bank loans is that consumers have a large choice. The bank car loan interest rate is the benchmark interest rate of the People's Bank of China, which is generally lower than the loan interest rate of auto financing companies, and can enjoy the preferential treatment of auto dealers. Individuals who apply for automobile consumption loans from banks generally need to provide real estate as collateral, such as housing, and the approval of banks is more strict. Judging from the actual loan situation, the success rate is low. Auto financing company loans, zero interest rates and concessions can not have both. At present, the common form of auto loan is direct loan from auto finance company. GM, Toyota, Volkswagen and Ford all have their own auto financing companies. Consumers can apply for loans from auto financing companies directly through auto dealers, and generally provide proof of real estate and income. Auto financing loan. The benefits of buying a car through an auto financing company loan are much more convenient than bank loans, and the approval process is shorter. However, consumers who borrow money to buy a car still need to buy auto insurance in the 4S shop, and the auto insurance in the 4S shop is often higher than the price insured by the insurance company alone. 1. Apply for car loan repayment first. If the applicant has no other liabilities except car loan and has a stable job and income now, he can apply to the loan company to repay the car loan first to save the emergency, provided that the amount can meet the needs of the borrower; 2. Borrow money from relatives and friends for repayment. If you don't pay back the car loan for the time being, you must owe less. You can borrow money from relatives and friends to pay back the car loan first. 3. Apply to the bank for deferred repayment. If you have a good repayment record, you can try to apply to the bank for deferred repayment. However, it is not easy to apply for deferred repayment. The borrower had better consult the local bank in detail first. Once the borrower finds that he may not be able to repay the loan on time, he must find a way to solve it as soon as possible. If the loan he applied for in the bank is overdue, he will have a bad credit record, which will have an impact on his future loan application and house purchase.
4. Can I return the car I bought with the loan?
My situation is the same as yours. I can't return it, but you can sell it to others, but the price is much lower. I hope I can buy it.