1. The customer service number for calling the car loan is: 0353-6222-678. Ask the customer service staff to help you check the calculation method of liquidated damages for your products;
2. In many loan contracts, the car loan will indicate the calculation method of liquidated damages for early repayment, which can refer to the contract;
3. Contact the loan specialist through the official WeChat account of the car loan and ask them what the penalty for prepayment of the car loan is.
After introducing the content of liquidated damages, Xi Cai Jun will introduce the specific methods of prepayment.
1. Log in to the car loan official website through the computer, find the order that needs to be returned in advance in the personal loan account, and return the remaining loan principal, interest and prepayment penalty according to the amount prompted by the system.
2. Download and log in to the car loan mobile APP, enter your own loan account, find the loan order to be returned in advance in the order column, and select all repayment.
3. Contact the account manager who provides services for himself and make repayment at the offline business outlets of the car loan.
Extended data:
At present, a set of risk control management mechanism including credit risk management and credit management system has been established for auto loans. It includes a central risk control mechanism that runs through the whole process before, during and after the credit granting, and adopts a periodic risk management mode to dynamically monitor customer information in an all-round and uninterrupted way through the "three lines of defense" of the regular business department, the approval risk control center and the risk control department.
In addition, the advantages of big data accumulated in 1 1 year have innovated the risk control model, and used the leading technology of the international consumer credit industry for reference to continuously optimize our risk control model, so that customers can get more evaluation in the model and continuously improve the central risk control management mechanism of credit risk management and credit management system.
At the same time, the scorecard model used by Ping An in inclusive finance draws lessons from the leading technology of the international consumer credit industry, combines its own accumulated business data for many years, and comprehensively evaluates customer risks based on credit records, customer natural attributes and third-party big data information.
How to find out which financial company the car loan is?
After the car loan handled by the bank was successful, the credit was received at the meeting. If you don't know which bank the car loan belongs to, it will be clear to check the credit. Lenders can enter the personal credit information platform, register their accounts, log in, select the verification method and submit an application. They will receive the verification code within 24 hours, and then log in to get the credit report. Then you can see the car loan records in the newspaper's credit records and loan records, including the name of the loan bank, the total loan amount, and the monthly repayment situation at a glance.
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. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
The term of automobile consumption loan 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.
The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float down 10%, while ordinary customers need to float up 10% on the basis of the benchmark interest rate.
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.
How to check the car loan
Different lending institutions inquire about car loans in different ways.
If it is a bank loan, there are many ways to inquire, both online and offline. If you want to check the bank car loan online, you can log in to the online bank directly, and then check the relevant information at the personal loan office, including the car loan balance and repayment records. And you can also directly call the bank customer service to inquire about car loans. If you want to check the car loan offline, the lender can bring ID cards and other documents to the bank outlets to check the remaining car loans. In addition to checking the remaining car loans, there is another advantage that the bank can help print the repayment plan for the next year, so that you can know the repayment situation for the next year more clearly.
If you want to get a loan from an auto financing company, the method is relatively simple. You can call the customer service phone number of the auto financing company and consult the manual customer service. If it's offline, you can go directly to the auto financing company and ask the staff to help you inquire.
How to inquire about vehicle loan information?
Usually, there are three ways for car owners to inquire about the loan situation:
1. The owner came to the bank that handled the car loan with his ID card and asked the staff of relevant departments. In this way, not only can we know how many loans remain to be repaid, but the owner can also ask the staff to help print the repayment list and understand the subsequent repayment situation.
2. Open personal online banking. After opening, car owners can check personal loans on their mobile phones. In addition to checking the remaining loan amount, you can also know the previous repayment records.
3. Call the bank customer service for consultation. However, in this way, the owner can only know how much information the remaining loan has, and other details will not be known.
It is best for the car owner to ensure the normal repayment every month, and there will be no overdue problems. Otherwise, the overdue records are registered in the personal credit information system by the bank, which will have a negative impact on personal social credit, leading to the owner's refusal to apply for other loans.