1. Can I still apply for extension for the 2-year installment of Ping An Bank’s car loan?

It is recommended that you report this situation to your bank, and it should be able to handle it for you. Or you can ask the car dealer to find the handling bank to handle it. The handling fees for one year and two years will be different, please pay attention to it.

2. Apply for a second installment of Ping An Bank’s car loan

You can apply for a second installment of Ping An Bank’s car loan. According to the relevant query information: Ping An Bank's car loan can be negotiated for a second installment, but you need to negotiate with the bank whether the second installment can be done when the car loan is not overdue. If the bank agrees, it means the negotiation is successful, and you can just wait for notification.

3. Can the Ping An Bank installment be paid off in one lump sum?

Ping An Bank's installments can be paid off in one lump sum. Customers only need to call Ping An Bank's customer service hotline 95511, be transferred to manual customer service, and apply to the customer service staff to terminate the installments in advance and pay off the installments in one lump sum. However, everyone needs to note that if the Ping An Credit Card is settled in advance after the installment, the remaining principal of each installment and the installment handling fee will need to be paid in one go. The installment handling fee that has been recorded will not be refunded.

Also, Ping An Bank provides a three-day hesitation period for the credit card bill installment business. That is, after the credit card holder applies for the bill installment, he can apply to cancel the bill installment within the three-day hesitation period. , and then settle the bill in advance, and the handling fee can be waived.

Customers are advised to think carefully before applying for installment, so as not to regret it later and want to settle in advance, which will be more troublesome. Moreover, if you apply for early settlement after the three-day instalment period for the Ping An Credit Card bill has passed, the installment handling fee will not be reduced, which is equivalent to the cardholder having to pay an extra fee.

4. Can a mortgaged vehicle be refinanced

The conditions that borrowers need to meet for a second mortgage loan include: 1. There is room for refinancing of a car that is second mortgaged. . 2. The procedures for applying for a second car mortgage must be complete; 3. The borrower has a legal and stable source of income and the ability to repay; 4. Other conditions required by the lending institution. Can I get a mortgage car loan without pledging the car? The answer is yes, you can apply for an unsecured car loan with a mortgage car. You can apply for a mortgage loan that does not depend on your credit score, or a car loan that depends on your credit score. For example: There are many mortgage loan companies in Guangzhou that can handle car mortgages without pledging the car. The advantages are: no credit report is required, only income in Guangfo is required, the process is simple, and the loan can be issued on the same day. Or go to the bank to apply for a car loan. Of course, you also need to register the mortgage, but the bank's requirements are higher than those of the car loan company. Its advantages: low interest rates. Loan information for the second mortgage car loan process: 1. The borrower’s second-generation ID card; 2. Loan purpose information; 3. Vehicle driving license (customers who have paid off the original car loan need to provide it). Mortgage car refinancing - credit loan application process: 1. Understand the customer's financial needs and determine whether they meet the car loan application conditions 2. The customer fills in the authorization letter and provides a copy of the ID card, front and back, so that the bank can check the personal credit report 3. Meet the requirements Qualified customers go to Ping An Bank on Changshu Road to sign a contract. Borrower's credit requirements: The following records shall not appear in the quasi-credit card, credit card and loan information in the People's Bank of China personal credit system and other personal credit systems: 1. More than one consecutive overdue payment in the last 24 months (inclusive) 91 days of record; 2. Or there is more than one overdue record in the last 12 months (inclusive) that reaches 61 days; 3. There is one overdue record of 31 days in the last 6 months; 4. There is a "guarantor's agent" Special circumstances such as "payment of debts", "debts with assets", "bad debts", "freeze", "stop payment", etc.