Handling process of automobile loan mortgage:
1. Contact the bank, auto financing company or guarantee company that handles the loan.
After paying off the vehicle loan, you must first find your own written mortgage contract, consult the contact numbers of banks, auto financing companies or guarantee companies on the contract, and get in touch with them.
2. Go through the settlement procedures and obtain the motor vehicle registration certificate.
After the loan is completed 10 working days, the lending institution will take the initiative to mail the relevant procedures to the 4s store and notify the borrower. After the mail arrives, the borrower can go through the relevant formalities with his ID card. However, if it is a bank loan, you may need to go through the formalities of repaying the vehicle loan yourself. After the bank inquiry is confirmed, if your car is loaned by a guarantee company, you need a certificate from the guarantee company.
3. Go to the vehicle management office to apply for cancellation of mortgage registration. With the above procedures, the motor vehicle owner can apply to the vehicle management office for cancellation of vehicle loan mortgage registration with the bank agent.
The owner of a motor vehicle shall fill in an application form, which shall be jointly applied by the owner of the motor vehicle and the mortgagor, and submit the following documents and vouchers:
1. Identity certificates and photocopies of the motor vehicle owner and mortgagor (bank agent). If the owner of a motor vehicle is not registered locally, he still needs to apply for a residence permit;
2. The repayment certificate issued by the bank or guarantee company;
3. Motor vehicle registration certificate.
Frequently asked questions about vehicle release:
1. When paying off the loan, the owner of the vehicle must provide the original ID card, the foreigner must also provide the residence permit or the original list of floating population stamped with the special seal of the local police station, the original registration certificate and the mortgagor should carry the relevant procedures, and both parties should go to the vehicle management office where the mortgage was handled at that time to learn about the mortgage business;
2. In the process of second-hand car transfer, if the vehicle is mortgaged and is a small blue brand vehicle, the owner can handle the mortgage cancellation business at the vehicle management office of this Municipality with the original ID card and registration certificate;
3. If the car is a brand handled in a different place, the car bought by the loan at that time has been paid off, and it is necessary to go to the vehicle management office to cancel the mortgage. Non-local hukou requires a local residence permit. If the owner no longer lives in the place where the license plate is handled, and the registered permanent residence is inconsistent with the place where the license plate is handled, he can handle the motor vehicle transfer business and the release business at the same time, or get the residence permit from the police station and then handle the motor vehicle release.