Interspersed with some knowledge: car loans are divided into two forms: car loans and car loans.
1. car parking: the car is kept by the company, and there is a special parking lot for cars, which is watched by a special person 24 hours a day, and the car is regularly ignited and warmed up.
2. Don't take the car: customers can choose to take the formalities to the company, or use the car for their own use. They need to apply for mortgage registration. The loan business is flexible and fast, and the amount can generally reach 70-80% of the assessment. Generally, the loan can be released on the same day when the formalities are complete.
Extended data:
The difference between owner loan and car loan:
Ping an car owner loan is a loan that only needs vehicle registration certificate as collateral, and car loan is a loan that does not take the car or install GPS. Both can be used for personal consumption or business, and the main differences are as follows:
1. Loan amount:
The loan amount of the owner's loan ranges from 300,000 yuan to 500,000 yuan; The car loan amount is between 500,000 and 500,000.
2. Application conditions:
The owner's loan requires the borrower to be between 22 and 60 (inclusive); It is a non-operating vehicle under my name and has been licensed for 3 months; The service life of the vehicle shall not exceed 10 year (subject to the date of first registration), and the mileage shall not exceed10.5 million kilometers; The approved value of the vehicle × the loan ratio shall not be less than 30,000.
Car loans require borrowers to be between 25 and 55 years old (customers who purchase performance insurance can be relaxed to 22 to 60 years old); Have a full car, no mortgage; The vehicle purchase shall not exceed 7 years (subject to the date of first registration), and the mileage shall not exceed1.2000 km; The vehicle evaluation value is above 70,000 (inclusive).
Automobile loans overdue collection:
Different banks or lending institutions may have different regulations, but basically they will stipulate in the loan contract that if the loan is not repaid for more than three months and the overdue nature is bad, the court will force the auction. At the same time, other assets under the name may also be frozen for disposal.
It can be seen that the car loan is overdue for more than three months. Everyone must remember to pay back the car loan on time after buying a car.
If it is overdue, it may be just a collection at first, but once it is overdue for less than three months, the nature is different, and it is likely to be recognized as malicious overdue by banks or lending institutions. At that time, it will be prosecuted, not only the car will be taken back for auction, but also personal credit will definitely be greatly affected. Therefore, even if you can't afford it for a while, you should take the initiative to negotiate instead of turning a blind eye to the collection.