Whether the car mortgage can be deferred depends on the provisions of the lending institution. Different lending institutions will have some differences in the rules of automobile mortgage. Therefore, if you need to apply for deferred repayment, you can consult the lending institution first.

Second, the specific analysis

If the relevant lending institutions support deferred repayment, in order to successfully reach an agreement with the platform, we can negotiate with the platform from the following aspects.

1. Try not to apply for penalty interest reduction.

From the perspective of the platform, it is natural to hope that the loan principal and interest can be repaid. If it is necessary to postpone repayment and reduce the penalty interest, this will affect the interests of the platform, and the platform may directly reject the relevant application.

2. Explain the reasons for the delay and the future repayment plan to the platform.

If you can't repay the car mortgage temporarily because of some special circumstances, you can explain the situation to the platform and explain your future repayment plan, so that the platform can see your sincerity.

Of course, the platform will carefully review the submitted qualifications and related materials, and may not necessarily agree to the requirements in the end. If the car mortgage cannot be postponed, you can avoid overdue from the following points.

1. Borrow money from relatives and friends and pay off the car mortgage bill first.

Doing so can avoid a series of injuries caused by overdue and temporarily solve the debt difficulties.

2. Realize the valuable assets in hand to obtain funds.

If you have some assets in your hand that can be realized to obtain funds, you can also temporarily tide over your debt pressure.

In short, if the lending institution refuses to agree to the application for deferred repayment, then it is necessary to find ways to raise funds for repayment as soon as possible.

If it is overdue, it will first affect your credit information. If the overdue situation is serious, the lending institution will even dispose of the mortgaged vehicle according to the loan contract. The longer the overdue period, the greater the consequences and the more losses it will bear.

It is suggested that you can know your current credit situation in the "North Construction Quick Check", get rid of the bad habit of applying for a loan, and cover up your dishonesty with a new good payment record.

Third, how long will it take to get the money from the car mortgage loan?

To apply for automobile mortgage, after submitting the application, the handling bank (loan company) will generally complete the examination in about one week. If it is approved, the loan will be released next, usually within three to five working days.

So it takes more than half a month from application to getting the money.

However, it should also be noted that sometimes banks (loan companies) are busy or short of funds, and the approval of loans may be delayed, which may take longer, and it may take a month or two to approve the next payment, or even longer.

In short, just wait patiently. When the approval result comes out and the loan arrives, the bank (loan company) will send a message in time, and you can also check the loan progress yourself at ordinary times.

If the loan has not been approved and lent for a long time, you can also contact customer service to ask the specific reasons. Of course, since the progress has not changed, you should be prepared to refuse the loan.