1. Enquiry at outlets: The borrower can go to the business hall of a nearby loan bank with his ID card and loan contract. Take the initiative to provide your personal information, ask the staff to help print the repayment schedule within one year, and you can check the remaining amount to be repaid.

2. Log in to the online banking of the loan bank for inquiry. I use pp, so that I can check the balance of the loan in the online banking. This query method can not only find the car, but also record the repayment information better.

3. Lenders can also call the customer service phone of the loan bank to inquire, but the loan balance is single, and it is impossible to know the monthly repayment situation before and after.

Operating Environment: Online Banking APP Version Model: Example of Construction Behavior: 5.9.0

First, car loans.

Car loan refers to the RMB secured loan issued by the lender to the borrower who applies for car purchase, and the consumer loan interest rate issued by the bank to the car buyer who buys a car at its special dealer. Refers to the ratio between the loan amount and the principal issued by the bank to consumers, that is, borrowers, for purchasing self-use cars (non-profit family cars or business cars with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

Second, the loan term.

The loan period of general automobile consumption models is 1-3 years, the longest loan period of automobile loans (including extension) shall not exceed 3 years, and the loan period of dealer automobile loans shall not exceed 1 year.

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2. Who will get the money for the car loan?

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For car salesmen.

The car loan has been approved. Did the bank send it by credit card?

The car loan bank gives a credit card, that is, through the credit card loan, swipes the card at the 4S shop, transfers the loan to the 4S shop, and picks up the car and leaves. Each repayment is a credit card bill, which can be repaid according to the bill. When the loan is paid off, the credit card will not have this issue. If there is an available amount, the credit card can be used normally, and the installment amount is included in the minimum repayment amount when repaying. That's what I did with my car loan at CCB.

4. Loan to buy a car, bank loan to me or dealer?

The loan to buy a car is for the dealer. Application conditions for loan to buy a car:

1, with full capacity for civil conduct.

2. Have permanent residence and valid residence status in the region.

3. The vehicle mortgage lender must have a fixed unit occupation and long-term stable income.

4. The vehicle mortgage lender has no bad criminal record and loan credit record, and the social credit is good.

5. The age of the vehicle mortgage lender is 22-55 years old, and the female is no more than 50 years old. Unmarried people need to provide an irrevocable joint guarantee from a third party (the requirements of the third party guarantor are the same as those of the lender).

The down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%. If your credit and financial strength can't meet the company's standards, you may be asked to raise the down payment again.