Nowadays, mortgage has become the choice of many car buyers. At the time of mortgage, the owner must pay a deposit to the guarantee company, and this deposit often becomes the focus of controversy-the guarantee company often detains part of the deposit or confiscates all the deposit on the grounds that "the car loan has not been repaid on time" and "the owner has not purchased insurance according to the regulations".

Buying a car with a loan will require the owner to sign several contracts, including a guarantee contract (or guarantee agreement). Thick text, there may be many "mines" buried in it, and the owner who is eager to buy a car may not read it carefully. Finally, the deposit was deducted before I realized my regret.

Some of them are relatively reasonable (such as repayment on schedule, compulsory purchase of theft and emergency rescue, etc.). ), some are overlord clauses (such as charging high handling fees and compulsory designation of insurance companies). ). "So when you buy a car with a loan, you should read the contract clearly, especially some bold words. If you encounter the overlord clause, you must take up legal weapons and safeguard your rights and interests. "

(1) Buying a car by mortgage refers to a way to buy a car by borrowing a car loan from a bank.

(2) Automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who buy cars at special dealers.

(1) Because the contract was completed by a bank loan to buy a car, before the loan was repaid, only the right to use the car was owned by the bank, so the car purchase contract was deposited with the bank or company, that is to say, the car purchase contract could not be obtained until the loan was repaid.

(2) After the loan is settled, the borrower can get the car purchase contract by going through the mortgage registration cancellation formalities at the original mortgage registration department with his valid identity certificate, loan settlement certificate and relevant supporting documents issued by the bank.