Under normal circumstances, the car loan is overdue for more than 3 months, and banks, auto financing companies or car loan companies may go to the trailer and then detain it. Before the trailer is detained, the court must make a judgment to transfer the right to dispose of the car to the lending institution. After the loan institution detains the vehicle, it can auction it, and the money sold can be used to deduct the remaining car loan. Therefore, if the car loan is overdue, as long as the arrears are paid in time, the lending institution will generally not detain the car.
legal ground
Article 101 of the Civil Procedure Law of People's Republic of China (PRC) (revised 20 17) If an interested party of pre-litigation property preservation fails to apply for preservation immediately due to an emergency, which will cause irreparable damage to his legitimate rights and interests, he may apply to the property preservation place, the respondent's domicile or a people's court with jurisdiction before bringing a lawsuit or applying for arbitration. The applicant shall provide a guarantee. If no guarantee is provided, the application will be rejected. After accepting the application, the people's court must make a ruling within 48 hours; Those ordered to take protective measures shall be executed immediately. If the applicant fails to bring a lawsuit or apply for arbitration according to law within 30 days after the people's court takes the preservation measures, the people's court shall lift the preservation.
How long will the overdue car loan last?
The car loan will be towed away if it is overdue for 7 days.
Under normal circumstances, if the car loan is overdue for more than 7 days, the car will be towed away by the loan company. Some loan companies stipulate that if the overdue days reach 65,438+00 days, they will bring a trailer. In the actual loan process, the contents of the car purchase contract and the loan contract should be the main contents. In general, the specific overdue time will be marked in the contract. But in our country, compulsory trailer is not allowed, because some contracts will not include this content.
Delaying the repayment of car loans for one month will affect personal credit records and generate overdue fees and interest. According to China's credit-related regulations, bad credit records will only appear if the loan or credit card is overdue for more than 3 times or more than 90 days, which will be automatically controlled by the system. If there is no money for only one month, the principal and interest of these two months will be paid off before the interest settlement date of next month. However, during the period from the interest settlement date of this month to the next interest settlement date, unpaid interest will generate penalty interest. According to the relevant regulations of China's credit investigation, bad records will only be generated if it is overdue for more than 90 days, and the overdue for more than 90 days will be automatically controlled by the system. If you have no money for only one month, you don't need to apply. Just pay off the interest for these two months before the interest settlement date of next month. However, during the period from the interest settlement date of this month to the next interest settlement date, unpaid interest will generate penalty interest.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
When can I tow the car when the car loan is overdue?
About the landlord's concern about "when can the car loan be delayed?" The following is my personal opinion:
The car loan will be towed away after 3 months overdue;
1. Overdue car loans will definitely cause problems. After all, this is a bad event. What is the impact of overdue car loans? It depends on the specific situation. Apply for a loan in an auto financing company and fail to receive a credit report within the time limit;
2. If you apply for a loan directly at ICBC, it will be overdue. Even if it is more than one day, it will be automatically recorded as overdue by the bank and automatically entered into your credit information system;
3. You can call the customer service to confirm that this is shown in your personal credit report, but there is no need to panic in this case. As long as you repay the loan immediately on the second day of overdue, the overdue time is not long, it is not malicious overdue. You can call the staff of ICBC to explain your situation. The bank staff will consider changing your credit record as appropriate.
When can I tow the car when the car loan is overdue?
If the car loan is overdue for more than 3 months, banks, auto financing companies or car loan companies may go to the trailer to detain it. Before the trailer is impounded, the court must decide to transfer the right to dispose of the car to the lending institution. After the lender detains the vehicle, it will auction it, and the money sold can be used to deduct the remaining car loan. Therefore, if the car loan is overdue, as long as the arrears are paid in time, the lending institution will generally not detain the car.
If the car loan is overdue for three months, it will be towed away;
1. Overdue car loans will definitely cause problems. After all, this is a bad event. What is the impact of overdue car loans? It depends on the specific situation. If the loan is handled by an auto financing company, it will not be reported within the time limit;
2. If you apply for a loan directly at ICBC, it will be overdue. Even if it is more than one day, it will exceed the repayment time specified in the contract, so it will be automatically recorded as overdue by the bank and automatically entered into the credit information system;
3, you can call customer service to confirm, this is shown in the personal credit report, but this situation does not necessarily need to panic, just pay it back the next day, overdue time can not be counted as malicious overdue. You can call ICBC staff to explain the situation. Bank staff will consider changing credit records as appropriate. (Photo/Text/Photo: Li Linwei) @20 19