1, borrow money to repay.

If the car loan user is temporarily unable to repay the car loan, it is recommended to borrow money from friends and relatives around him to avoid overdue car loan, otherwise the overdue car loan will not only generate high overdue interest, but also affect personal credit information.

2. Negotiate with the bank.

If the owner is temporarily unable to repay due to some special reasons during the repayment period, we can try to contact the bank to negotiate repayment. During the negotiation, we need to explain to the bank the reasons why we are unable to repay at present, and issue proof that we are unable to repay at present. In the process of negotiation, we will show our willingness to repay actively, and see if we can reach an agreement to postpone repayment or implement re-installment, so as to reduce the repayment pressure.

What should I do if the car loan is overdue?

The Consequence of Automobile loans overdue and Its Treatment;

After the car loan is overdue, the user has sufficient repayment ability and can pay off the overdue debt as soon as possible. If the repayment ability is insufficient, you need to take the initiative to contact the lending institution and apply to the lending institution for negotiation repayment. After the car loan is overdue, it will produce overdue records and overdue interest. The longer the overdue period, the greater the negative impact, and early repayment is the best solution.

If you can't repay the loan as soon as possible, you should also negotiate with the lending institution, otherwise the subsequent overdue interest will increase the repayment burden of the user, resulting in the user's inability to pay off the overdue debt.

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What should I do if the car loan is temporarily overdue?

It depends on the specific situation.

First, I don't want a car. It can be directly sold to second-hand car dealers, and the second-hand car dealers deduct the amount of car loans from the total amount to directly help the owners repay the loans.

Second, I still want a car. If there is no repayment in a short time, you can use the bank credit card to repay, and then complete the credit card repayment; If it is not paid for a long time, you can consider other long-term loans, installment payment or one-time settlement of car loans.

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.

Consequences of car loans overdue:

1. Bad credit record.

If you get an auto loan through an auto financing institution, once it is overdue, the personal credit report will leave an overdue record. If the overdue times are few and the amount is not large, and the overdue amount and overdue interest are replenished in time, it is an ordinary overdue record. If the overdue amount is large and overdue for a long time or many times, it will be pulled into the credit blacklist.

2. Generate penalty interest.

Due to its own reasons, overdue records will not only lead to penalty interest, but also directly affect the handling of loans.

3. It's hard to get into the blacklist of credit information.

If you maliciously default on your car loan, if the circumstances are serious, you may be blacklisted directly, which will not only affect your daily life such as flying, high-speed rail and accommodation, but also lead to more penalties and living restrictions in the future with the expansion of credit record business.

4. file a lawsuit.

If the auto loan continues to be in arrears, the auto financing institution will collect the loan according to law and bring a lawsuit to the court according to the loan and mortgage-related contracts. The court will take measures such as property preservation, including freezing all bank accounts of the lender and co-borrower or the guarantor, and sealing up the pledged property.

5. Execute the judgment.

After the judgment is made, the property will be enforced according to law (deduction of deposits, confiscation of collateral, etc.). ) to pay off the loss of the car loan. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest and all expenses arising therefrom.