All the loans are from the bank. Hebao company is just an intermediary. I used to be like this! I put a deposit of 3900 for renewal! A key! Big Ben! Just one year later, the loan company went bankrupt! After I returned it, I contacted the bank myself! Big Ben, they don't have a key! Let them reissue the settlement certificate to the vehicle management office! It stands to reason that this deposit should be refunded when the company is liquidated. Anyway, in the end, there is no key. The deposit is gone. Big Ben made it up himself! There is still a large deposit in the bank!
This situation is understandable, but only if you have paid off all the loans. Don't think that if a small loan company goes bankrupt, you don't have to pay back the money.
1. Transfer of creditor's rights.
The bankruptcy of a small loan company may transfer the creditor's rights to a new company, which is the so-called "receiver". Then you can transfer the creditor's rights and mortgage rights with the new recipient, and then continue to repay the loan on schedule. After paying off the loan, the new recipient will issue a loan settlement certificate and make an understanding pledge.
2. Small loan companies are intermediaries.
Some small loan companies are actually intermediaries. When applying for a loan, you can still sign a loan agreement with the lender. In this case, even if the small loan company goes bankrupt, it has nothing to do with your loan and settlement.
3. Creditor's rights are not transferred after bankruptcy.
In this case, you still need to repay the loan on time and contact the loan company to handle the mortgage, because you can't cancel the mortgage without the participation of the loan company. If the other party doesn't cooperate, it can only be solved through prosecution.
It is recommended to contact a reliable loan company, preferably through a bank loan. Bank loans are relatively more reliable, the interest rate is not high, and there will be no worrying trouble like you said.
No problem, don't worry. Me too. The bank will contact you within one or two months after payment. Send you a big green book. Just take the big green paper to the vehicle management office to go through the decompression procedure.
We also encountered this problem at the beginning. The loan company was docked by the 4s shop, which led to the failure to get the mortgage key after paying back the money. Looking for a 4s shop many times doesn't make excuses for the handling method. Call and complain that the lock at their headquarters has been changed.
The small loan company closed down and the car loan was not paid off. This problem cannot be ignored. Other things may be fine without home, but you must pay attention to money. First of all, if the loan company goes bankrupt for whatever reason, there must be a window to handle the follow-up payment. Can you ask in many ways? Don't think that you don't have to pay back the money when the company goes bankrupt. So no one can collect debts. But in a few months, your credit report will be hacked and overdue, and finally your unpaid money and interest will be reflected in the credit report. In a word, walk the world honestly and honestly!
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Hello, everyone, I am a maker in the financial field. I'm glad to answer this question for you. Let me help you solve it! Below I will talk about my personal views, hoping to help everyone and get everyone's approval! The microfinance company is your personal creditor and the mortgagee of your vehicle. Small loan companies have closed down, and there should be liquidation procedures. According to the loan contract, the loan should be repaid in installments, but it is not due yet, and you have not paid it off.
Although the company went bankrupt, according to the national civil law, the loan of the bankrupt company only needs to be repaid in the part protected by law. For example, according to the law, the interest within 36 years after the year is protected by law, so the principal plus the interest within 36 years after the year is to be repaid.
Car loans can only be released if they are paid off.
In addition, correct attitude, high debt is not terrible, negotiation and personal efforts to make money to pay off.
I hope the question shared with you above can help you. I hope my sharing on this issue will help you, and I hope you will like my sharing.
Welcome to discuss with each other.
Under normal circumstances, your vehicle is mortgaged to a small loan company, so if it is decompressed, the staff of the small loan company need to go to the vehicle management office with a business license to decompress; According to your situation, it is suggested that you should recommend a 4S shop or a car sales company that sells your car. Since you bought a car from them, this small loan company can lend you money, which means they must be connected. Maybe they handled this part of your car's bonds when the small loan company went bankrupt.
You should actively contact your small loan company. If you can't get in touch, you should keep the evidence of good contact, and then try to decompress the mortgage of your car at the vehicle management office, so that your car will not have any trouble in the future!
Hello! First, these loans must be repaid.
Although the company went bankrupt, according to the national civil law, the loan of the bankrupt company only needs to be repaid in the part protected by law. For example, according to the law, the interest within 36 years after the year is protected by law, so the principal plus the interest within 36 years after the year is to be repaid.
Car loans can only be released if they are paid off.
In addition, correct attitude, high debt is not terrible, negotiation and personal efforts to make money to pay off.
You can find out who your creditors are. If he fails, there will be bond transfer. You must fulfill the contract well. Check the contract yourself and see if the preferential treatment I gave you was written. Some companies that take over will not recognize the loan concessions given by your family and will let you repay the principal plus interest.
How to lift the mortgage when the car loan company closes down?
(1) The borrower finds the loan handling bank to issue relevant certificates, and submits these certificates to the vehicle management office to see if the mortgage formalities can be lifted.
(2) The borrower finds out in whose name the mortgaged vehicle is registered, and then brings a lawsuit to the court to solve the problem through legal means.
When buying a car with a loan, the borrower should pay attention to the following points:
(1) Check whether there is any problem with the contract before signing. Many unscrupulous financial companies will secretly harm the interests of borrowers. For example, when providing loans to borrowers, increase the loan amount in the loan contract. There are many similar means, so when applying for a loan, the borrower must read the loan contract carefully before signing it.
(2) Whether there are requirements for vehicle insurance. Many times, when buying a vehicle with a loan, the loan contract will require the insurance of the vehicle. This is because before the loan is paid off, the vehicle does not belong to the owner, but to the bank or financial company. In order to reduce risks and ensure their own rights and interests, banks or financial companies will require vehicles to purchase insurance in insurance contracts. Borrowers should read the loan terms carefully to find out whether they can accept it.
(3) Look at the financial company clearly. If you borrow money from a finance company, the borrower must see clearly the operation of the finance company. Many informal financial companies can be said to disappear with their birth. These financial companies closed down before the customers' loans were paid off, which brought great trouble to borrowers. Borrowers must avoid such lending institutions when applying for loans.
How to lift the mortgage when the auto mortgage company closes down?
You can find the former person in charge of the car loan company, and then let the person in charge go to the vehicle management office to handle the mortgage cancellation procedures. To cancel the mortgage, the owner and mortgagor need to go through the formalities of canceling the mortgage at the vehicle management office. The mortgagor needs to provide business license, acceptance of entrustment and other documents, and the owner himself must be present. Article 394 of the Civil Code of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property. Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
Who should I ask to release the car loan company after it goes bankrupt? What if the car loan company goes bankrupt and the vehicle is green?
If the car loan company goes bankrupt and the lender has paid off the loan and wants to cancel the mortgage, this situation is still the same as the normal procedure. Need to get in touch with the car loan company and cancel the mortgage according to the normal process. Generally, if the lender has paid off the loan, the car loan company can't hold the vehicle registration certificate. Under normal circumstances, it will cooperate with the owner to complete the vehicle release procedures.
The auto loan company went bankrupt. If the car loan has not been paid off, you need to wait until the car loan is paid off before you can get back the motor vehicle registration certificate.
If the car loan company goes bankrupt and runs away, it needs to call the police to solve it. If you can't contact the car loan company and get back the motor vehicle registration certificate mortgaged in the lending institution, you can't go through the formalities of vehicle release.
Therefore, if you want to borrow money to buy a car, it is recommended to borrow money from a bank. Although the threshold for applying for a loan will be higher, the safety factor will be higher and the probability of bankruptcy will be lower.
After handling the car loan, you need to complete some procedures before the car can truly belong to you. The procedure is not complicated, just prepare the relevant materials and go to the relevant departments to handle it. The preparation of materials needs to be subject to the regulations of relevant departments, and the regulations of different regions and institutions may be somewhat different. Therefore, it is recommended that car owners know some requirements before going through the formalities to avoid running back and forth because of incomplete information.
After the vehicle is released, the first beneficiary of auto insurance needs to be changed at the insurance company. General loans to buy a car, the first beneficiary of auto insurance belongs to the lending institution. If a 4S shop installs a GPS positioning device for a car, it can be dismantled in the 4S shop.