How to check your own car loan
How to check the car loan in your name:
1. Check the lending bank business outlets
After taking out a loan, if you want to check if there are any problems with the loan record, you can bring your ID card to the bank counter to find out. The bank staff will ask you to fill in the credit report inquiry application form and submit it. After the submission is successful, the staff will help you remove the credit card. Personal credit report.
2. Call to inquire
Call the service hotline of the loan bank and follow the voice prompts. If you do not know how to operate, you can transfer to manual service and the staff will help handle it.
3. Online banking inquiry
Search the loan bank’s official website on the web and enter it, select the branch’s special services, and then select personal loan information inquiry.
4. Credit Reference Center Query
Go to the local People’s Bank of China Credit Reference Center to check your loan records, where you can also view your repayment records and outstanding repayments. payments, and other loan information. There are only two opportunities to check your credit report every year without paying. When you check for the third time, you will be charged a certain fee.
1. Car loan refers to a loan granted by a lender to a borrower who applies to purchase a car. Car consumption loans are a new loan method that banks provide RMB-guaranteed loans to car buyers who do not purchase cars at their authorized dealers. The interest rate of automobile consumer loans refers to the ratio of the loan amount to the principal issued by the bank to consumers, that is, borrowers, for the purchase of self-use cars (non-profit family cars or commercial vehicles with 7 seats or less (inclusive)). The higher the interest rate, the greater the repayment amount the consumer will have to pay.
2. Personal loan car purchase business is divided into three types: direct customer type, indirect customer type, and credit card car loan. The direct customer type is generally a bank car loan where the customer meets directly for the loan, and the indirect customer type is generally a car finance company car loan where the auto finance company transfers the customer to the customer. For direct bank car loans, the fees collected are deposit, principal and interest, 3 guarantee fees, etc. The fees for high-quality bank customers will be discounted, but each bank's preferential policies are different. In addition to paying the above fees, a car loan from a Jianke Auto Finance Company also needs to bear supervision fees, fleet management fees, and warranty renewal deposits. There is also a credit card car loan. Credit card installment car loans only provide installment payments to bank credit card users. Not all conditions can apply, and there is an audit process. It is difficult for credit card users with bad credit records to apply.
How do I check my car loan?
1. Positive answer
There are many ways to check my car loan. If you want to check which car loan company you have, Lenders can look for loan information from banks or lending institutions in their own credit reports. Of course, they can also communicate with the 4S store at the time, and they will generally have the information.
2. Specific analysis
If you want to check how much of your car loan is outstanding, the banker can enter the mobile banking and check the loan details on the loan interface. Of course, you can also consult Customer service can check how many loans are still outstanding. For loans from other institutions, you can also enter the relevant repayment software or consult customer service. In short, it is more convenient to check the loan.
Under normal circumstances, car loans can be repaid in advance, and some institutions still welcome early repayment and will not charge lenders liquidated damages.
Of course, the situation of each lending institution is different, and the lender can consult first when repaying the loan early.
If the loan is settled, the lender must get back his motor vehicle registration certificate in time, and then take the certificate to the vehicle management office to go through the vehicle release procedures. Only after the vehicle is released can it truly belong to him. of.
Just check at: Beijian Quick Search. Click Query and enter the information to query your own credit data, query your personal credit status, Internet black index score, blacklist status, online loan application record, application platform type, whether it is overdue, overdue amount, credit card and Internet Important data information such as loan and credit limit estimates, etc.
3. Do I need to drive there after the car loan is repaid and the mortgage is released?
You don’t need to drive to release your car loan after paying off the car loan. You can handle the mortgage release business by bringing along your motor vehicle registration certificate, ID card, loan settlement certificate, driving license and other information. However, different regions have different requirements. There may be some differences in the materials required by the vehicle management office for release. In order to smoothly handle the vehicle release business, you can consult the local vehicle management office in advance and prepare the corresponding materials according to the requirements of the vehicle management office.
In addition, not only does it not require a car to go through the car deposit procedure, but the car owner does not have to go there himself. If the car owner himself does not have time, he can issue a power of attorney and entrust someone else to help handle the vehicle deposit. For business, this is indeed a good choice for those who have no time in other places.
Vehicle release can only be done at the vehicle management office at the place of vehicle registration on working days. Vehicle release business cannot be handled in other places or online. These are things that need to be understood clearly in advance and need to be reasonable. Plan the release time.
How to check the progress of SAIC-GM Financial loan?
Inquiry method:
1. If you want to know more about the loan progress, the best and most direct way is to call the salesperson who handles the loan business for you.
2. If the above method is inconvenient, you can also call the hotline of SAIC-GM Financial at 400-8816-336, and then report your name, ID number, etc. to the other party, and the other party will help you inquire.
If the information is complete, the loan will generally be approved on the same day (without a home visit), or the next day at most. If a home visit is required, it usually takes about 3 days. After that, you have to sign a contract and send it back to the headquarters. The mailing time is usually 2 days.
SAIC General Motors Finance (GMAC-SAIC) was established in 2004 as a joint venture between General Motors Finance, SAIC-GM and SAIC Finance. Among them, General Motors Finance is the world’s largest and most advanced financial institution since its establishment in 1919. Professional car financial services company.
As the first professional auto finance company in China. SAIC General Motors Finance Company specializes in providing financing services to General Motors and other automobile brand customers and automobile dealers. Registered capital is 1.5 billion yuan.
How to check for car loans
Different lending institutions have different ways of checking for car loans.
If you are applying for a loan at a bank, there are various inquiry methods, and you can inquire online or offline. If you want to inquire about a bank's car loan online, you can directly log in to online banking, and then inquire about the relevant information on the personal loan, including the remaining car loan, repayment records, etc. You can also directly call the bank's customer service to inquire about the car loan. If you want to check the car loan offline, the lender can bring your ID card and other documents to the bank branch to check. In addition to checking the remaining car loan, another advantage is that the bank can help print the repayment plan for the next year, which can Get a clearer picture of your repayment situation in the next year.
If you apply for a loan at an auto finance company and want to check the status of your car loan, the method is relatively simple. You can call the customer service number of the auto finance company and consult with the manual customer service. If you go offline, you can go directly to the auto finance company and ask the staff to help you inquire.
That’s it for the introduction on how to inquire about car loans.