Can Not Pay the Car Installments
Cars are the things that make it easy to travel from one place to another. Causing many people to choose to travel by car For those who do not have cars, then look for a new car or a second hand car to use. But when looking at the cash in the account is not enough for the price of the car Therefore choose to be in debt by buying installment cars
However, when the car was acquired, it was time to pay the car installment. Once started delivering for a while Began to be impatient Therefore resulting in not being able to fully pay the car installments Or to the wrong size What to do when you realize that you can no longer pay. The most popular solution is:
1. The easiest way is to sell or transfer ownership to others. That can be paid in installments Then use the proceeds to close the debt burden.
2. Requesting refinance with existing financial institutions that pay off car debt payments This method will help extend the period of installment from the previous contract. Which must have a remaining installment period of no more than 12 months, for example, with a 60-month installment period, the hire-purchase must be paid for no less than 48 months before being able to refinance. Can do a maximum of 60 months. When combined, the car's age must not exceed 17 years. This method will reduce the monthly installments less. But will have to bear the burden of increasing interest But at least it is an extension of the repayment schedule If deciding to fight.
3. If there are two cars And the first car no longer has an obligation to pay The aforementioned vehicle can be sold for cash payment as a new installment payment. Or it may be the way to exchange cars for loans with financial institutions But the loan applicant must have the title as the owner of the ownership in the vehicle registration book that is free of any obligation or obligation Can request a credit line of up to 80 percent of the price assessed by the company.
There is always a solution for those in debt. But the best way is to assess yourself whether you can pay in installments. So that you don't have to worry about interest or burdens each month.
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