It's no problem to pay off, but there is an overdue record of credit reporting. Now bank loan products have requirements for overdue credit reporting. Look at all kinds of comprehensive situations. After all, the bank loan credit requirements are different.
Generally, it doesn't matter much to pay off in a year or so. 2. What are the procedures for Chery's financial loan to buy a car?
When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc. ;
3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
4. Other information stipulated by the bank.
Three. Chery Finance Loan Car Purchase Process (Chery Automobile Finance Loan Conditions)
In the process of handling Chery automobile loan, Chery automobile loan has four repayment methods: matching principal and interest, average capital, Bailong loan and one-time repayment of principal and interest when due. The monthly repayment date and the loan issuance date are the same calendar day. Chery automobile loan processing flow 1. Customer application. Customers apply to Chery Finance through our local authorized dealers, fill in the application form in writing and provide relevant information at the same time; 2. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; 3. loan settlement. Loan settlement includes normal settlement and early settlement. (1) Normal settlement: the loan is settled on the maturity date (equal principal and interest) or the last installment (installment repayment); (2) Early settlement: The borrower repays the loan in advance, and only needs to pay a penalty of 3% of the remaining loan. Note: The loan approval and related terms will depend on the applicant's basic financial situation, personal situation and credit history. The loan must be registered as a vehicle mortgage at the local vehicle management office and purchased from our authorized dealer.