1. First, call the loan customer service phone of Ping An Bank to apply for early repayment, and it is best to make an appointment one month in advance;

2. Prepare funds for prepayment of car loans, including funds for prepayment and liquidated damages;

3. Bring relevant documents and submit relevant materials for early repayment of auto loans to Ping An Bank;

4. Sign the prepayment contract for auto loans, and then transfer the funds to the special repayment card of Ping An Bank to complete prepayment.

5. The prepayment of Ping 'an car loan requires a penalty, but for those who prepay within one year, it is roughly 2% to 5% according to different bank regulations. Some of them repay for several months with interest as a penalty, but for friends who have repaid their car loans for one year, there is generally no need to charge a penalty.

The first is the concept

1. Auto loan refers to the loan granted 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 between the loan amount and the principal given by the bank to consumers, that is, borrowers, to buy their own cars (non-profit family cars or commercial cars with less than 7 seats).

2. Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet and directly apply for loans, and the indirect customer type is generally a car loan for auto financing companies to transfer customers' car loans.

3. For direct bank car loans, the fees charged are deposit, principal and interest, 3% guarantee fee, etc. The bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, individual auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

4. There is also a credit card car loan. Credit card installment 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 to handle.

Second, the specific steps of buying a car by credit card are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether it is possible to apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with the ID card, and the bank background will review it.

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 through the mortgage formalities at the bank and buy the required auto insurance.

Finally, we can drive away smoothly.

The mortgage on the car loan is due in one month. What if I want to pay back the money in advance?

You need to bring the relevant documents to your bank for settlement in advance. If it is paid off in the last month, I don't think it is necessary to settle it in advance, and the procedure is more troublesome.

The normal repayment should be like this.

1. Apply for prepayment from the lending institution and remit the repayment amount to the repayment account;

2. If the auto loan is handled through the guarantee company, after the loan institution successfully deducts the advance payment, it will go to the guarantee company to collect the vehicle ownership certificate and go through the settlement formalities with the corresponding settlement certificate; If it is directly mortgaged to the lending institution, the loan will be recovered together with the settlement certificate when it is settled.

3. Take the vehicle ownership certificate and the procedure for releasing the charge to dmv, the jurisdiction, to understand the procedure for charging.

However, if there is only one month left, there is basically no need to repay in advance. Car loans are basically interest-free or low-interest, so you can't save a few interest.

Early repayment should also be coordinated with the bank counter that gave you the loan at the beginning.

Contact to see if their bank allows prepayment. Some banks are free and exempt from overdue interest. You have to pay a handling fee for the rest. So it is more convenient to deposit it for only one month if it expires.

How to repay the car loan in advance?

1. If you want to repay the car loan in advance, the customer can apply to the loan bank or lending institution. With the consent of the lending bank or lending institution, you can make an appointment for the prepayment date.

2. It should be pointed out that the borrower cannot repay the car loan in advance without the consent of the lending bank or lending institution. Otherwise, the amount returned in advance may not be deducted because it is not indicated.

In addition, many banks and lending institutions have certain requirements for advance payment. For example, advance payment can only be paid after a period of time; Others will compensate some liquidation losses of the advance payment. Different banks and lending institutions have different regulations. It is recommended to consult the staff of banks or lending institutions for specific information.

At present, the direct loan of the bank is directly withheld, so you can also choose to deposit the money into the repayment account, so that the bank can automatically deduct the money for repayment at the specified time.

1. Auto loan refers to the loan issued by the lender to the borrower to apply for buying a car. Automobile consumption loan is a new loan method for banks to issue new loans to car buyers in order to buy cars at their special dealers.

2. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal issued by the bank to consumers, that is, the borrower uses it to buy self-use cars (the number of seats for non-profit family cars or commercial vehicles is less than 7 (inclusive)). The higher the interest rate, the greater the repayment of consumers.

3. The borrower must be a permanent resident of the lender's position and have full capacity for civil conduct.

The loan period for automobile consumption is generally 1-3 years, and the longest is 5 years. Among them, the loan term of second-hand car loan (including extension) shall not exceed 3 years, and the loan term of dealer loan shall not exceed 1 year.

4. The actual interest rate of auto loans is determined by the handling bank according to the actual situation of customers and referring to the benchmark interest rate of loans stipulated by the central bank. Customers with excellent general conditions can enjoy the benchmark interest rate or increase by about 10%, while ordinary customers need to increase by about 10% on the basis of the benchmark interest rate.

5. The latest bank loan interest rate is above the benchmark of 2013:10%-15%.

6. Personal loan car purchase business is divided into customer loans, inter-customer loans and credit card loans. The direct customer type is generally the bank auto loan that the customer directly meets the loan, and the inter-customer type is usually the auto loan of the auto financing company, that is, the auto financing company transfers the customer.

7. For direct customer bank car loans, the fees charged are deposit, principal and interest, and 3% guarantee fee. There will be preferential treatment for high-quality customers in banks, but the preferential policies of each bank are different. In addition to paying the above fees, ITC Auto Finance Company also bears the supervision fee, fleet management fee and warranty renewal deposit.

I hope I can help you.

Can I repay my car loan in advance?

Yes, you can.

If you are rich. The car loan can be repaid in advance, and you can choose to repay part or all of the car loan.

If you want to pay off in advance, you can see if there is a penalty clause in the loan contract you signed. If not, no fine will be charged. Interest will be calculated when repayment is made.

If you want to repay part of the loan first, you should also check the minimum repayment amount of the repayment bank in advance. To repay the car loan in advance, you must apply to the loan bank or loan company. After the application is approved, you can go through it with the information.

However, if you pay off automobile mortgage in advance, you should pay attention to the expenses incurred by repaying the loan before the repayment date. If the loan is repaid before the repayment deadline, both the bank and the loan company will charge a certain penalty.

What needs to be known is that if the repayment time of automobile mortgage is less than one year, he may not be able to repay the loan before the repayment deadline.