How much is the interest rate for 24 installments of a second-hand car loan of RMB 30,000?

Who should I contact after the used car loan is repaid?
After the loan is repaid, you need to go to the lending institution to issue a loan settlement certificate and bring it with you To prove the loan settlement, go to the vehicle management office to go through the mortgage release procedures, and then you can get the car title certificate back. In fact, before handling the car loan business, you can first inquire about what business needs to be done after the loan is paid off.
The issue of second-hand car loan interest is that the base expected annualized interest rate generally rises by more than 10%, and the highest rate can even reach 30%-40%. Therefore, you must consider your own economic conditions when purchasing a second-hand car.
Judging from the loan information of a second-hand car official website, there are three car purchase options (taking a second-hand car worth 30,000 yuan as an example):
(1) 10% down payment (3,300 yuan) , the loan is divided into 48 installments, the monthly payment is 736 yuan, and the total interest is 8,628 yuan; the loan is divided into 36 installments, the monthly payment is 920 yuan, and the total interest is 6,420 yuan.
(2) A down payment of 30% (9,600), a loan in 36 installments, a monthly payment of 718 yuan, and a total interest of 5,448 yuan; a loan in 24 installments, a monthly payment of 1,006 yuan, and a total interest of 3,744 yuan.
(3) The down payment is 50%, the down payment is 15,700 yuan, the loan is divided into 36 installments, the monthly payment is 499 yuan, and the total interest is 3,664 yuan; the loan is divided into 24 installments, the monthly payment is 706 yuan, and the total interest is 2,644 yuan.
Who should I contact if the principal of my car loan is over-borrowed?
1. If the principal of my car loan is over-loaned, I should contact a lending institution at this time. If you only submitted a loan application but did not sign a loan contract, you can modify the loan amount. But after you have signed a loan contract and find that the loan amount is too much, you can negotiate with the lending institution before disbursing the loan. Once the loan has been disbursed, there is no way to change the loan amount.
2. It is recommended that when signing a loan contract, users must pay attention to key information such as the loan amount, term, and interest rate. It will be difficult to modify the contract after signing it.
For more information about who to contact if the car loan principal is overpaid, enter: View more content
Who should I contact to refund the deposit after paying off the car loan?
The car loan deposit is returned to the 4S store. If you need to pay a deposit when buying a car, you must make an agreement with the 4S store. If the loan is not approved, the deposit must be returned. However, even if the car loan application is rejected, the 4S store will usually help the user submit the car loan application again. Of course, if the car loan application fails in the end, as long as there is an agreement to return the deposit, the user can also get the deposit back. The following is an introduction to car loan deposits: 1. Common reasons for refusing to return deposits: (1) More than three overdue payments within the repayment period of the car loan; (2) Failure to purchase car insurance from a designated insurance company. 2. The car loan deposit cannot be returned: When the 4S store pre varicates and refuses to return the deposit for various reasons after paying off the car loan, consumers must retain the necessary evidence and take up legal weapons to defend their rights.