How long does the car loan generally look at the credit report, I have been overdue for half a year,

Loan to buy a car. What are the procedures for applying for a loan to buy a car?

First of all, you need to understand the basic conditions for applying for a personal car loan:

Citizens who are over 18 years old and have full capacity for civil conduct.

Have a legal identity document, have a local permanent residence or a valid residence certificate.

This is the basic condition for applying for a car loan, let's take a look at what procedures are required to buy a car with a loan.

Secondly, the process of applying for a loan to buy a car:

1: The borrower submits the loan application materials to the bank.

2: The bank will conduct a preliminary review of the application materials submitted by the borrower.

3: The bank conducts credit investigation and customer evaluation of the borrower.

3: The bank will examine and approve the loan application that meets the loan conditions through the preliminary examination and credit investigation.

5: After the loan contract takes effect, the handling bank will issue the loan. A special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower who purchased the car.

Finally, you need to know the information you need to buy a car with a loan.

1: Personal Loan Application

2: Valid personal ID card. Including resident ID cards, household registration booklets, military ID cards, passports, Hong Kong, Macao and Taiwan compatriots travel permits, etc. If the borrower is married, the identity of the spouse must be provided.

3: Certificate of household registration or long-term residence.

4: Proof of personal income, if necessary, proof of family income or property.

5: Proof of intent to purchase a car issued by a car dealer.

6: Proof of down payment for a car loan.

7: If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of the guarantee shall be provided, including the pledged right certificate, the certificate of ownership and appraisal of the mortgaged real estate, and the letter of intent of the third party guarantee.

8: If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle attached to the transportation fleet, the lease agreement, etc.

9: If the vehicle purchased by the loan is a second-hand car, the certificate of intention to purchase the car and the vehicle appraisal report issued by an appraisal agency recognized by CCB must also be provided; The vehicle seller's vehicle ownership certificate, the motor vehicle registration certificate of the vehicle traded, the vehicle annual inspection certificate, etc.

The more common the loan consumption method, the more careful it is for novices to apply for a loan to buy a car, and carefully watch the filling of procedures. So as not to cause unnecessary trouble after the latter loan during the loan process.

Loans are generally looked at the overdue in the past two years, and the inquiries in the past six months.

The car loan is evaluated according to your comprehensive qualifications, and will comprehensively consider your income, debts, credit history, repayment ability, etc., bad credit will affect the loan approval, but whether it can be approved depends on the actual result, you can log in to the Ping An Pocket Bank APP-Home-Loan-Auto Loan, learn more and try to apply.

Car loans generally depend on your credit report within the past two years, and if you have been overdue for half a year, it will definitely have an impact.

Detectives buy a car, pick up a car nearby, and the process is simple.

Unexpressed emotions never go away, they are just buried alive and will one day explode in an even uglier way!

There are many car owners who choose to apply for a car loan to buy a car, so they need to be able to ensure that they can pay the monthly payment normally. However, some car owners will have accidents, and want to know whether the consequences of the car loan overdue for 5 days are serious or whether the car loan will be overdue for one day will be credited, etc., let's find out.

The consequences of a car loan being overdue for five days are more serious. Because some banks will have a three-day grace period for overdue car loans, as long as the car owner repays the repayment amount within this repayment grace period, the bank will not charge the car owner a late fee and overdue his personal credit record. Five days overdue will definitely be charged late fees and personal credit will be recorded as overdue.

However, some banks may directly regard the overdue payment of the car owner as the overdue payment if they do not successfully deduct the payment on the same day, and directly register the overdue record in the car owner's personal credit system. Therefore, the owner of the car contacted the bank staff in time to give feedback on the situation, and paid the repayment amount on the same day. so as not to affect personal credit reporting.

Car owners should also pay attention to overdue behavior, and try to ensure that the loan can be repaid on the day of deduction, so as not to cause overdue and have a negative impact on their personal credit. Otherwise, the consequences will be more serious, which may lead to the owner of the car to apply for other loans or credit cards will be rejected.

If the car loan is overdue for one day, it will have an impact, but the impact is generally not very large. And the reason why it has an impact is because as long as the loan is overdue, there will be penalty interest; It is also likely to be reported to the central bank's credit system by the lending bank or lending institution, leaving a bad credit record in the personal credit report.

Therefore, in order to prevent more serious impacts, if you accidentally overdue for one day when repaying the car loan, you must pay off the arrears as soon as possible, and contact the lending bank or lending institution in time to explain the situation clearly. If there is a reason, the lending bank and lending institution may not report it to the credit report. Of course, there are also banks and lending institutions that are very strict.

However, some banks and lenders offer grace periods, so if a car loan is overdue for one day, as long as you pay off the arrears within the grace period as soon as possible, it will not have much impact.

How long will the car loan be overdue on the credit report? It also depends on whether there is a grace period for your loan, if there is, it is generally 3 days, and the time does not exceed 3 days, as long as you repay the money immediately, it will not affect the credit report.

Generally speaking, the overdue grace period is 3 days, which means that there is no problem when you repay the loan within three days, and there will be no late fees and bad credit records. However, once it exceeds three days, the bank will start calculating the late payment fee, which will be charged at 5% of the minimum payment amount per day. When you are overdue for one month, you will be on the credit report.

If your overdue time exceeds 3 days, the bank will collect, according to the specific borrowing situation, the more serious circumstances do not rule out legal means, and overdue will also affect personal credit. The overdue situation of the loan will be uploaded to the credit information system of the central bank at the same time, which will also affect the credit life of the loan in the future.

You only need to pass: the quick card test. Users can query their own big data and credit status, and can obtain various index data, and query their personal credit status, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

In short, don't easily overdue, otherwise if you are overdue on the credit investigation and there is a credit stain, it will take five years to be able to "wash away" after paying off the arrears, and if you don't repay the loan, the credit stain will follow you for a lifetime. It is advisable to repay the arrears as soon as possible, and if the arrears are short, you can issue a non-malicious arrears statement to the bank.

There is no grace period for car loans, and overdue car loans will affect personal credit reporting. No matter how long it is overdue, one day overdue is also an act of overdue repayment, which will be reported to the central bank's credit information system and recorded in the personal credit report. Of course, if you forget to repay the loan, you can appeal to the bank if it is overdue for one day.

A few days overdue is a more serious overdue behavior.

If you buy a car in installments with a credit card, since there is no grace period for repayment, 1 day overdue will affect the credit investigation. For auto finance company loans, there is usually a 3-day grace period for repayment, that is, 4 days overdue will affect the credit investigation. 3 days overdueDuring the grace period for repayment, as long as the repayment is made, the user will be counted as repaying on time, and there will be no overdue record on the credit report.

Therefore, if users want to maintain personal credit, the best way is to repay on time, and for car loans with a grace period, they can repay within the grace period.

Car loans are generally overdue for no more than 3 days。If the car loan is applied for at the bank, then the loan cannot be overdue for more than 3 days without affecting the credit information, and if it is overdue for more than 3 days, it will leave a bad repayment record on the credit report. If you apply for a car loan at a financial institution, the grace period for repayment is generally 10 days, and the overdue period cannot exceed 10 days, and more than 10 days will affect personal credit.

Of course, different lending institutions have different requirements, and the specific repayment grace period is subject to the requirements of the lending institution.

The impact of overdue car loans

1. Bad credit, if the car loan is obtained through an auto financial institution, once it is overdue, the personal credit report will leave an overdue record. If the overdue amount is large and the overdue time is long or multiple overdue, it will be pulled into the credit blacklist.

2. Penalty interest, due to its own reasons due to overdue records, not only will there be penalty interest, more serious, will directly affect the processing of loans.

3. Pull into the credit blacklist, life is difficult to move an inch If you maliciously default on the car loan, the serious person may be directly pulled into the credit blacklist, which will not only affect the daily life of individuals such as airplanes, high-speed rail, accommodation, etc., but also may lead to more penalties and living restrictions in the future with the expansion of credit history business.

4. In case of court litigation, if the auto loan continues to be in arrears, the auto financial institution will collect the loan in accordance with the law, and will file a lawsuit with the court in accordance with the relevant contracts of the loan and mortgage, and the court will take measures such as property preservation, including freezing all bank account deposits of the lender and the co-borrower or guarantor, and seizing the property that has been pledged.

5. Enforce the judgment, and after the judgment is handed down, the property will be enforced (deduction of deposits, confiscation of collateral, etc.) in accordance with the law to pay off the loss of the car loan. Specifically, it includes: loan principal, loan interest, overdue interest and penalty interest and all fees arising therefrom.

There are many users who believe that there is a grace period for bank car loans, such as overdue 1 3 days without impact, in fact, only bank credit cards may have such regulations, the vast majority of bank loans are not, basically from the first day of overdue, it will be on the credit, the specific update time depends on the bank upload time, generally half a month to 20 days, you can find it on the credit report.

Extended Information: What are the consequences of overdue car loans?

1. Late fees. From the first day of overdue, a late fee will be charged according to the contract, and the longer the time, the higher the amount.

More than a month (90 days) the bank will ** notify or collect at home.

3. Generally, the bank will sue the court for more than 6 months or a year, and it may be auctioned by the trailer.

4. If you fail to repay it for a long time, you may become a bad debt and become a bank loan user.

No. If the grace period is greater than or equal to three days, then the overdue period is three days but the repayment is made in time on the third day, so there is no impact on the credit. However, if there is no grace period for car loan repayment, or the grace period is less than three days, the user will repay on the third day of overdue, and the user will also be counted as overdue repayment.

At this time, the overdue record has been uploaded to the credit report, which will have a negative impact on the credit.

Further Information] A car loan is a loan granted by a lender to a borrower who applies to purchase a car. Auto consumer loan is a new type of loan guaranteed by banks to car buyers who purchase cars at their authorized dealers. The interest rate of automobile consumer loan refers to the ratio of the loan amount and the principal amount issued by the bank to the consumer, that is, the borrower, for the purchase of a car for self-use (a family car or a commercial vehicle with less than 7 seats (inclusive) for non-profit purposes).

The higher the interest rate, the greater the amount of repayment the consumer will have.

There are three types of personal loan car purchase business: direct customer, intermittent customer, and credit card car loan. The direct customer type is generally a bank car loan for the customer to meet directly for the loan, and the indirect customer type is generally the car loan of the auto finance company that transfers the customer.

For direct customer bank car loans, the fees charged are deposits, principal and interest, 3% guarantee fees, etc., and the fees for high-quality customers of banks will also be discounted, but the preferential policies of each bank are different.

In addition to the above fees, the car loan of the inter-passenger auto finance company also needs to bear the supervision fee, fleet management fee, and warranty renewal deposit.

There is also a credit card car loan, credit card installment car loan only provides installment payment for bank credit card users, not any conditions can be handled, and there is also a review process, which is difficult for credit card users with bad credit records.

The specific steps to buy a car in installments with a credit card are roughly as follows:

1.The cardholder (or applicant)** can contact the bank's credit card center or go to the local bank to find out if the credit card car loan can be processed.

2.The cardholder shall go to the dealer with his/her ID card to fill in the installment order of Auto Purchase on the spot, and submit it to the bank for review.

3.When the order is approved, the cardholder pays the down payment and goes through the normal purchase procedures.

4.After the license plate of the vehicle is issued, the cardholder needs to go through the mortgage procedures with the bank and purchase the required required car insurance insurance.

5.In the end, we were able to drive the car away without any problems.