Can I get my car loan deposit back?

1. The car loan deposit is generally collected by the 4S shop that sells cars. As long as the insurance is renewed normally and on time, after the loan is settled, you can get a refund with the settlement certificate, repayment details or mortgage cancellation of the big account book. Some 4S stores will take the renewal deposit as the insurance premium for the last year, and it is better to refund more and make up less. It's better to buy insurance for yourself than never to return it.

2. How to refund the car loan deposit within the loan period? Before the car loan is settled, you should buy insurance from the designated insurance company according to the contract, including at least compulsory insurance, car damage insurance, theft insurance and third party liability insurance. That is to say, if you don't buy insurance from the established insurance company according to the requirements of the guarantee company, or if you don't buy insurance through the people of the guarantee company, and it is less than the above types of insurance, the "renewal premium" is basically hopeless;

3. Within the repayment period of the auto loan, if the repayment is overdue for more than three times, the performance bond will not be refunded.

Will loans overdue seize the money?

When applying for a car loan, the borrower and the borrower will sign a legal and effective loan contract. There will be clear provisions in the contract on the handling of overdue deposits. After the borrower handles the car loan, such as loans overdue, the down payment will be handled according to the regulations, subject to the actual agreement in the contract.

Editor's Note: How to refund the car loan deposit is very simple, but whether it can be refunded or not requires the owner to be cautious when signing the loan contract. Be sure to read the relevant matters carefully before signing, and remember not to overdue repayment. The state is still formulating a series of regulatory measures to safeguard the legitimate rights and interests of consumers. In addition to car loans, if you need to know more about loan products, choose a product that suits you.

How long will it take to refund the deposit after the car loan is paid?

4S shop loan: after the car loan is paid off, the deposit is non-refundable. Bank loan: After the car loan is paid off, the deposit will be refunded within 10 working days after the owner submits all formalities. Lenders need to follow the car purchase contract. If the purpose of the deposit is stated in the car purchase contract, it cannot be returned.

Generally, the deposit of car loan is 2% of the loan amount, and some 4S stores will take the renewal deposit as the insurance premium for the last year, and refund more and make up less. For various reasons, some 4S stores will be exempted. In this case, the lender can call 123 15 to report the 4S store.

The renewal deposit is generally collected by 4S stores selling cars, and some commercial banks have cooperative relations with 4S stores to collect loan deposits from lenders. In the car purchase contract or loan contract, there will be one in the 4S shop. If the repayment is overdue for more than three times within the repayment period of the car loan, the performance bond will not be refunded.

During the loan period and before the car loan is settled, the lender needs to purchase insurance from the designated insurance company in accordance with the contract. At least compulsory insurance, car damage insurance, theft insurance and third party liability insurance are included. If the designated insurance is not purchased, the deposit will not be refunded.

Lenders had better go to the bank to apply for a loan before buying a car. Although there are many procedures for banks to apply for loans, it is more formal for banks to apply for loans, and there will be no refund of deposits.

What if the loan can't come down and the deposit is not refunded? There's always a way to solve it

Many people will take out loans when they are in urgent need of money, but many loans will make them pay the deposit first, but unexpectedly, the loan has not come down and the deposit has not been refunded. Then, what if the loan can't come down and the deposit is not refunded? In fact, there is still a way to solve it. Let's give you a brief introduction and see what to do in this situation.

What if the loan can't come down and the deposit is not refunded?

Most loans do not need to pay a deposit, but there are also special circumstances, such as car loans and mortgages, and there may be a deposit when looking for an intermediary loan. However, this kind of loan that needs to pay a deposit will have some stipulations specifically for the deposit in the loan contract. If the loan fails, the deposit will generally be handled according to the contract.

It is stipulated in the contract that the loan can't come down because of the lender's breach of contract. If you don't want to borrow after applying for the loan, or if the credit conditions are not up to the requirements and are rejected, and there are provisions for not refunding the deposit or deducting part of the liquidated damages, you can not refund the deposit or deduct only part of the liquidated damages; However, if the lender does not breach the contract and the loan does not come down, the other party will directly refund the deposit.

And if the contract does not stipulate that the deposit will not be refunded under the loan, or the lender does not default and does not refund the deposit, it can complain about getting the deposit back. Common complaint channels are online complaints, such as major complaint platforms, official website and China Banking Regulatory Commission; You can also call to complain or call the China Banking Regulatory Commission.

However, it should be noted that it does not mean that the deposit will be returned after the complaint. After receiving the complaint, the relevant departments will contact the lending institution and ask it to negotiate with the lender, but they cannot directly ask the lending platform to refund the deposit. If the lender finds that the lending institution is suspected, it can also call the police directly.

The above is the relevant introduction of "What should I do if the loan is not down and the deposit is not refunded". I hope it will help everyone.

What does a house loan deposit mean?

Housing loan deposit, namely mortgage loan deposit. It is the money that the bank collects from the developer according to a certain proportion of the total loan in the process of mortgage loan, and bears the joint guarantee responsibility of mortgage loan. Only after the real estate license is completed and the mortgage registration is completed will the bank return the mortgage deposit to the developer.

Bank mortgage margin guarantee is widespread in the banking industry. The usual practice is that banks and real estate development enterprises (hereinafter referred to as developers) sign the Individual Housing Loan Project Cooperation Agreement and the Individual Housing Guarantee Loan Contract. It is stipulated in the contract that banks provide housing mortgage loans to property buyers who develop real estate for developers, and developers open special deposit accounts in banks to provide deposits received according to a certain proportion of the loan balance to provide guarantees for the bank's mortgage loans. After the borrower obtains the real estate license and completes the mortgage registration formalities with the bank as the mortgagee, the bank will return the corresponding deposit in the deposit account to the developer. During this period, if the borrower fails to repay the principal and interest on schedule as agreed in the contract, the developer will repay it on his behalf, and the bank has the right to directly deduct the relevant funds from the deposit account.

The complaint about the loan deposit and the non-refundable loan deposit ends here. I wonder if you have found the information you need?