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How to repay a loan before buying a car
The repayment procedures for different car loan methods are different. There are also different rules for whether to pay late fees for early car repayment.
General bank car loanPrepaymentIt is necessary to make an appointment about 15 days in advance. Different lending institutions have different regulations, which can be specifically understood by the application department. After the appointment is made, the relevant information required for early repayment will be prepared according to the time and place of the appointment, and the reservation will be made.
Information required for early repayment of personal car loans, including personal identification cards and bank signingsLoan to buy a carContract, repayment application form to the bank, last month's repayment bill andRepaying loans in advanceAgreement and other information required by the bank. After the information is prepared, the information will be submitted to the bank staff and handled by the staff. Finally, the loan applicant can deposit the amount of the early repayment into the bank.
It should be noted that early repayment will result in liquidated damages, especially if the car loan is less than one year, most banks will charge liquidated damages, and the liquidated damages are still relatively high, so before deciding to pay in advance The loan purchaser should budget the repayment cost in advance to see if the early repayment is cost-effective.
In addition, if you choose to pay in advance, the bank usually has a time limit for buying a car. For example, some banks require a minimum of six years after the first month of repayment. If it is not paid off once, the installer can choose the treatment according to the bank regulations and his financial situation. After the loan is settled, the loan applicant shall take back the legal vouchers and relevant supporting documents received by the bank with his valid identity document and the loan settlement certificate issued by the bank, and hold the loan settlement vouchers to the original mortgage registration department for mortgage registration and cancellation. formalities.
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