Can I buy a car in installments if my online loan is overdue, and can I buy a car in installments if

Legal analysis: If the online loan is overdue, the customer can also buy the car in installments. Although the overdue online loan is likely to be recorded in big data, which may make it difficult for customers to apply for online loans in the future, if the customer uses a credit card to apply for an installment loan at the bank to buy a car, it will generally not be affected by the overdue online loan.

After all, banks mainly review the credit status of customers through their personal credit reports, rather than big data, so as long as the customer's credit is good, there will generally be no problems. Of course, in addition to good credit, in order to successfully handle the installment car business, customers must also meet the bank's requirements for age, work income, residence, vehicle age and other aspects, as well as the ability to repay on time. In fact, no matter whether the overdue online loan will affect the customer's installment purchase of the car, the customer should not appear overdue, after all, the overdue will affect personal credit, make the customer's future loan blocked, and will also bring penalty interest, liquidated damages, etc., which will cause a lot of bad impacts.

Legal basis: "Regulations on the Administration of the Credit Reporting Industry" Article 29: Institutions engaged in credit operations shall provide credit information to the Basic Financial Credit Information Database in accordance with provisions.

Institutions engaged in credit operations providing credit information to the Basic Financial Credit Information Database or other entities shall obtain the written consent of the information subjects in advance, and apply the provisions of these Regulations on information providers.

Most online loans are connected to the credit system, and their lending behavior is directly linked to the borrower's credit, if you can repay the loan on time, you can develop a good credit record, but if it is overdue, it will be reported to the credit information system to leave a bad credit record, and then it is difficult to handle other credit business.

For example, if you buy a car in installments as a credit business for credit checking, if you find that the borrower's credit report has an overdue record of online loan during the approval process, you may reject the borrower's application. However, it is still necessary to judge the degree of overdue in combination with the specific situation, which can be divided into these situations.

1. The overdue is not serious: after the online loan is overdue, it has been repaid before buying the car in installments, and there is no overdue at present, and the number of overdue times is not much, and the time is not long, and the borrower has provided sufficient information to prove that there is sufficient solvency, and there is still a chance to succeed. If you are worried about failure, it is recommended that you apply again 3 months after you have paid off the arrears.

2. Serious overdue: Generally speaking, if there are three consecutive or six cumulative overdues within 2 years, even if the overdue arrears of the online loan are paid off, the loan will still be rejected. However, it does not mean that you have to wait for the overdue record to disappear before you can buy a car in installments, as long as the borrower does not have any bad behavior that affects personal credit in the next 2 years, and the solvency is good, there is also a chance to pass.

Just search: Four Joy data. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Extended Information: Can I Negotiate a Second Installment for an Overdue Online Business Loan?

If the online business loan is overdue, you can contact customer service to try to negotiate a second installment. During the negotiation, you should first explain that you do not have the ability to repay the loan for the time being, and at the same time you can provide certain supporting materials, such as the certificate of termination of the labor contract, unemployment certificate, etc., and then express your willingness to actively repay the loan, and finally submit an application for extending the repayment period and repaying the arrears in two installments.

The online merchant loan will consider it as appropriate to find out that it does not have the ability to repay the loan, and it is not deliberately overdue after the second installment application may be agreed. Of course, if the review finds that there is still the ability to repay, the second instalment application may not be agreed.

Therefore, it is also recommended to prepare for second-hand, if the online merchant loan finally does not agree to the second installment, and must repay the arrears in time, you can also raise funds through other channels for repayment, such as trying to borrow money from relatives and friends around you to repay (note that do not borrow another loan to repay, the practice of repaying the loan with a loan is prohibited).

Legal Analysis:

You can also buy a car in installments if the online loan is overdue. Although overdue online loans are likely to be recorded in big data, if customers apply for installment loans at the bank with credit cards to buy cars, they will generally not be affected by the overdue online loans. Banks mainly review the credit status of customers through their personal credit reports, and as long as the customer's credit report is good, there will generally be no problems.

Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organization, individual industrial and commercial household, or a natural person with full civil capacity with the nationality of the People's Republic of China who has been approved and registered by the administrative authority for industry and commerce (or the competent authority).

When applying for a loan, the borrower shall meet the basic conditions such as having a market for the product, efficient production and operation, not crowding out and misappropriating credit funds, and abiding by credit, and shall meet the following requirements:

1. Have the ability to repay the principal and interest on time, and the original loan interest payable and the loan due have been repaid; If it has not been repaid, a repayment plan approved by the lender has been made.

2. Except for natural persons and legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures of the industrial and commercial department.

3. A basic account or a general deposit account has been opened.

4. In addition to the provisions of the first month, the cumulative amount of foreign equity investment in limited liability companies and shares does not exceed 50% of their total net assets.

5. The borrower's asset-liability ratio meets the requirements of the lender.

6. Where applying for medium-term or long-term loans, the ratio of the equity of the corporate legal person of the new project to the total investment required for the project shall not be less than the proportion of the capital of the investment project stipulated by the state.

In the case, the loan is not on the credit report, and the loan is overdue, it will not have any impact on the credit report, so it will not affect the loan to buy a car; However, two years ago, the overdue loan was settled, which had little impact on the car loan to be applied for; In the past two years, the loan has been overdue, but the overdue time is short, for example, it is only overdue for a few days, the overdue amount is small, the overdue loan has been settled, and the overdue record has not accumulated more than 6 times, in this case, it is still possible to take out a loan to buy a car.

Question: 600 yuan overdue It doesn't affect it, just one.

It depends on what online loan financial institution has an impact if the online loan is overdue, and when you buy a car, you are taking a loan from the bank to buy a car.

Question: Mobile phone number, bank card is not used, no repayment can be made, 360 IOUs are overdue, it does not affect the loan to buy a car.

Question: 360 IOUs don't affect Yes.

Yes question. During the Chinese New Year, I can't contact customer service if I don't go to work.

It's good if it doesn't affect.

What does 360 belong to.

Depending on your situation, how long it will be overdue, if it is a period, it will not be affected.

If it actually lasts for a long time, it will have an impact.

It also depends on whether you buy the car in full or give you a loan to buy it at 4S points.

If 360 is overdue for a long time, buy a car 4S shop to help you get a bank loan to buy, this has an impact, and 360 may be on the credit.

360 borrowing is on the credit report. Users need to authorize the central bank credit investigation before they can borrow on the 360 IOU, and the successful borrowing will also be recorded in the credit information center and personal credit report of the People's Bank of China. Therefore, when using 360 IOUs, you must pay attention not to overdue repayment, otherwise you will not only be blacklisted by the credit information center and reduce your personal creditworthiness, but also need to pay a high fine in serious cases, and even receive a lawsuit from the court and get into a lawsuit.

Summary. Hello, dear. If you owe an online loan, you can buy a car in installments, but if the online loan is overdue, but the overdue record is not on the credit report, the user can apply for a car loan in this case.

Because when applying for a car loan, the lending institution cannot find the overdue record of the online loan, then the user is a user with good credit in the eyes of the lending institution.

Can I buy a car in installments if I owe an online loan.

Hello, dear. If you owe an online loan, you can buy a car in installments, but if the online loan is overdue, but the overdue record is not on the credit report, the user can apply for a car loan in this case. Because when applying for a car loan, the lending institution cannot find the overdue record of the online loan, then the user is a user with good credit in the eyes of the lending institution.

On the credit investigation of the overdue record of the online loan, the user cannot apply for a car loan until the overdue record is deleted. As long as the online loan is repaid on time and the loan amount is not high, then the user's application for a car loan will not be affected by the online loan. If the online loan is overdue, you will not be able to get credit, and you can buy a car if you have the ability to repay.

Du Xiaomandai has not been paid off for 3 years, and now I want to buy a car in installments.

If you owe an online loan, you can buy a car in installments, but if the online loan is overdue, but the overdue record is not on the credit report, the user can apply for a car loan in this case. Look at this dearly, if you have the ability to repay, it is okay, for example, it is okay to repay the minimum every month.

It's overdue. In this case, the user can apply for a car loan.

As long as you can have a minimum monthly payment, you can.

Is it okay, and I haven't paid it back for two years.

Didn't pay back a penny in two years?

It's about the same.

It's just not over yet.

That's fine, kiss.

Thank you. As long as you have the ability to repay, there is no problem.

Whether the borrowed online loan is not on credit will affect the subsequent car loan processing depends on how the bank auto consumer finance company conducts the review.

1. General banks Auto consumer finance companies mainly inquire about personal credit reports to understand their credit status when approving car loans, so that because the online loans borrowed are not recorded in the credit report, they will not have any impact on the car loan, as long as the credit record is good, and they have the ability to repay the principal and interest of the loan on time, the car loan can often be approved smoothly.

2. Some banks and auto consumer finance companies have strict reviews, and they may also check the big data after checking the personal credit report. In this way, even if the borrowed online loan is not recorded in the credit report, it will inevitably have a certain impact on the approval of the car loan because it is recorded in the big data. However, you can also rest assured that as long as there are not many loan records, there is no bad information such as overdue, and personal credit is maintained well, the car loan can still be successful.

If you want to query the online loan data report, you can search: Xiaoqi Xincha, you can view the number of applications of the user, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data. And the query data is very accurate and comprehensive.

Extended information: Can I transfer the ownership of a car under the name of an overdue online loan?

If the online loan is overdue, whether the car in the borrower's name can be transferred depends on who owns the car.

If the car is bought in full and the ownership of the car belongs to you, then there is no problem in handling the transfer.

If the car is mortgaged or mortgaged, the owner only has the right to use the car, and there is no way to transfer the ownership.

If the online loan is overdue for too long, the car owner is sued by the lending institution, and the court has ruled to enforce it, then the car owner's car may be forcibly towed away for auction, and there is no way to buy and sell at this time, and it is impossible to transfer the ownership.

If you want to transfer the car to someone else after the online loan is overdue, you need to deal with it before being sued by the court, and if there is a mortgage, you also need to settle the loan first, handle the release of the mortgage, and get the ownership of the car.

1. Can I buy a car in installments if the online loan is overdue?

1. If the online loan is overdue, the customer can also buy the car in installments. If a customer uses a credit card to apply for an installment loan at the bank to buy a car, it will generally not be affected by the overdue online loan. Banks mainly review the credit status of customers through their personal credit reports, rather than big data, as long as the customer's credit is good, there will generally be no problems.

2. Legal basis: Article 671 of the Civil Code of the People's Republic of China.

If the lender fails to provide the loan on the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, it shall pay interest on the agreed date and amount.

2. Is it okay to repay the principal on an overdue online loan?

It is not possible to repay only the principal when the online loan is overdue, and a certain amount of interest needs to be paid. According to the agreement of the loan contract, not only the principal and interest must be repaid, but the penalty interest must be recovered after the deadline, and in some special circumstances, with the consent of the loan subject, some can reduce the penalty interest, but the principal and the legal interest agreed in the contract are protected by law. The consequences of overdue online loans are as follows:

1. Penalty interest and liquidated damages;

2. Credit will be damaged; Whether it is borrowed money from the bank or money from an online loan platform, if there is a phenomenon of overdue repayment, it will be difficult to apply for a credit card or loan in the future;

3. If the circumstances are serious, they will be imprisoned.

Online loans are overdue, and it is generally possible to buy a car in installments, as long as it is not very serious.

Detective buys a car and picks up the car nearby, and the model picks up the car for a week more.

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