The following are related methods about how to inquire whether a car has a loan: 1. Method 1: Look at the motor vehicle registration certificate. You can have a look at the Motor Vehicle Registration Certificate of the vehicle. The loan institution of the vehicle will be marked on the second page of the certificate, and then you can go to the institution to inquire. If it is not for yourself, it is impossible to query. 2. Method 2: Go to the personal loan department of the loan bank outlet for enquiry. In this way, the lender can not only inquire about the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so as to clearly understand the loan situation within one year. 3. Method 3: Inquire through online banking. After opening online banking, you can check the balance without leaving home. Lenders usually operate through personal loans and my loans.
How to check whether the vehicle has a loan?
1. Inquire through the official channels of institutions/platforms. If we handle car loan installment in the bank, we can log in to the bank's online banking or mobile banking and find a credit card or a special installment function. After entering, you can view special installment products such as car loans and decoration loans.
2. Query offline through outlets. After handling the car loan, contact the salesman with the car loan contract and related materials as soon as possible to clarify the related expenses and repayment plan. Generally speaking, the car loan contract is a paper contract held by both parties, which records the debt details and repayment plan. Consult through the customer service hotline. In addition to the above methods, we can also call the company's car loan hotline to verify personal information.
It should be noted that the current car loan market often uses "interest-free installment" for publicity and marketing. In fact, the "interest-free" here just has no interest. The organization secretly changed the concepts of interest and handling fee. Finally, there is a handling fee in our repayment amount. If converted into an adult interest rate, it is the same as interest.
1, check whether there is a loan for the car, and you can check whether the words mortgage car are printed on the car registration certificate. If there is the word mortgage car, it proves that your car is a loan car. Or you can check with the DMV and the insurance company. When the loan vehicle is mortgaged, it shall be filed by the vehicle management office. Ask the insurance company who the insurance beneficiary is. If the beneficiary is a lending institution, prove that the car is a loan car.
2. Auto loan refers to the loan issued by the lender to the borrower who applies for car purchase. Automobile consumption loan is a new type of loan guaranteed by RMB, which is issued by banks to car buyers who buy cars at special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal paid by the bank to consumers, that is, borrowers, for purchasing self-use cars, non-profit family cars or less-used commercial cars. More than 7 seats including. The higher the interest rate, the greater the repayment amount of consumers.
3. Personal loan car purchase business is divided into direct customers, inter-customers and credit car loans. The direct customer type is generally a bank car loan where customers meet directly to lend money, and the inter-customer type is generally a car loan from an auto finance company to a customer. For direct customer bank car loan, the fees charged include deposit, principal and interest, 3% guarantee fee, etc. There will be preferential treatment for high-quality customer fees of banks, but the preferential policies of each bank are different. In addition to the above fees, cross-customer auto financing companies also need to bear supervision fees, fleet management fees, warranty renewal deposits and credit card car loans. Credit card installment loan only provides installment payment for bank credit card users and does not provide any conditions. There is also an audit procedure, which is more difficult for credit card users with bad credit records.
4. Whether the mortgaged vehicle is printed on the vehicle registration certificate. If there is a car mortgage, it is a mortgaged car. If you use automobile mortgage, you will generally go to the vehicle management office for mortgage registration. So you can go to the DMV to check whether there is mortgage registration. When you go to the DMV, you can bring your ID card and driver's license and go directly to the inquiry window of the DMV. With your ID card, you can go to the local credit bureau or the branch of the central bank to check your personal credit record.
How to check my car loan?
If you APPly for a loan in a bank, the owner can go directly to the outlet to apply for a car loan. If necessary, the staff can print the specific list, or you can check it in the online banking and mobile banking app. Take the Agricultural Bank of China as an example, its car loan inquiry steps are: 1. Open the software of Agricultural Bank of China and enter the home page. Click more.
2. On the new page, click the loan option.
3. Enter the loan page and click on the car loan query below.
4. Finally, in the newly opened page, you can see the details of the car loan.
The query method of online banking is also relatively simple. Car owners can directly log in to the personal online banking of China Bank, click the loan option and check their loan orders.
The mainstream car loans in the market are basically bank car loans and auto finance company loans. The application process of the two is similar, but relatively speaking, the loan from auto finance company is better.
Popular science about car loans: the term of car consumption loans is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
Version information: Take China Agricultural Bank 7. 1. 1 version, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.