You can't transfer ownership and buy and sell cars without paying off the loan.
Either repay in installments and then transfer ownership, or repay in advance and pay off in one lump sum and then transfer ownership.
Because when handling car loans, car property rights have been transferred to lending institutions. Before you pay off the loan, you only have the right to use the car, not the ownership of the car.
The bank stipulates that individual car installment loans must have a certain number of installments before they can apply for early repayment. If you need to repay the loan in advance, you need to make an appointment with the bank in advance and apply. After the bank agrees, you need to agree on a meeting date with the bank.
Fill in the loan repayment application form and prepayment agreement at the bank according to the agreed date, deposit the loan to be repaid in advance into the deduction account designated by the bank, and the bank will automatically deduct the loan.
In addition, as a punishment for early repayment, banks will also charge a certain amount of liquidated damages. Please prepare your ID card, car purchase contract and bank loan contract before you go to the bank.
There is no limit to the number of times a bank can repay the car loan in advance, and it can be paid off in one lump sum or partially repaid in advance. Only the minimum repayment amount of each loan repayment is different from bank to bank. Some regulations are 65,438+0,000 yuan or multiples of 65,438+0,000 yuan, and some regulations stipulate that the loan can be partially repaid in advance if it is more than 1000 yuan.
Some borrowers who repay loans in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The other is to shorten the repayment period and keep the monthly repayment amount unchanged. If the lender's income continues to increase, it is suggested to choose the repayment method of shortening the loan period and get the ownership of the car as soon as possible before transferring the ownership.
There are two ways of car transfer: transaction and gift. Either way, you must bring relevant documents, certificates and contract agreement materials to the local vehicle management office for formalities.
There are generally three cases of car transfer: 1, inter-company transfer; 2. Transfer between companies and individuals; 3. Transfer between individuals. It is worth noting that the transfer method of the gift should be notarized in the notary office and a certain proportion of the total repayment amount of the car should be paid. After obtaining the gift certificate, you can go to the vehicle management office to handle the transfer.
Can the mortgaged car be transferred?
You can't transfer the car during the mortgage period. The reason is very simple, because when handling the car loan, the car property right has been transferred to the lending institution. In the future, there will only be the right to use the car, not the right to dispose of it. Only after paying off all the loans, including the principal and interest, will the property right of the car be returned to us again. So cars can't be transferred in mortgage, let alone bought or sold. Therefore, before applying for automobile mortgage, the borrower must consider the loan in combination with his overall situation, otherwise the unpredictable repayment in the middle will not only leave a stain on his credit record, but also affect his application for other loans in the future. Article 18 of the Regulations on Motor Vehicle Registration, if the ownership of a registered motor vehicle is transferred, the owner of the motor vehicle shall apply to the motor vehicle management office for transfer registration within 30 days from the date of delivery of the motor vehicle. Article 19 To apply for transfer registration, the current motor vehicle owner shall fill in the application form and submit the following documents and vouchers: (1) the identity certificate of the current motor vehicle owner; (2) Certificates and vouchers of the transfer of ownership of motor vehicles; (3) Motor vehicle registration certificate; (4) Motor vehicle driving license; (five) the customs supervision of motor vehicles shall also submit the "Certificate of Deregulation of Vehicles under Customs Supervision in People's Republic of China (PRC)" or the transfer certificate approved by the customs; (six) motor vehicles that have exceeded the validity period of the inspection shall also submit the certificate of motor vehicle safety and technical inspection and the compulsory insurance certificate for traffic accident liability.
Can I transfer the loan car?
A car that has not been repaid cannot be transferred, and only after the mortgage loan has been repaid can the transfer procedures be completed. However, the mortgaged car cannot be transferred. As the unpaid property right of the car is temporarily transferred to the lending institution, the individual only has the right to use the car temporarily, but has no right to dispose of the car. After the car loan is paid off, the property right of the car will return to the individual, and you can go through the transfer procedures or trade freely.
According to the regulations of the bank, customers who pay in advance should submit a written application one week to one month in advance and agree on the repayment date. Then, according to the agreed date, take your ID card and the loan contract signed with the bank to fill out the loan repayment application form and prepayment agreement at the bank, and deposit the money to be repaid in your account where the loan principal and interest are deducted, and the bank will automatically deduct it.
There is no limit to the number of times each bank can repay the car loan in advance, and it can repay all or part of it at one time. Only the initial amount of each loan repayment varies from bank to bank, some are 1 1,000 yuan or multiples of 1 1,000 yuan, while others stipulate that partial repayment can be made in advance if it exceeds 1 1,000 yuan.
Some borrowers who repay loans in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The second is to shorten the repayment cycle and keep the monthly repayment amount unchanged. If the income of the lender keeps increasing, you can choose the repayment method of shortening the loan period.
Can I transfer the loan car?
The car bought by the loan cannot be transferred, but it can be transferred after the payment is made.
Step 1: First, we must ensure that the loan can be paid off. About 10 working days after the loan is paid off, we can go to the bank that handles the car installment payment to understand the mortgage procedures. If it is a credit card car installment, it is best to call the bank's customer service phone in advance to check whether it has been settled in full. The customer service phone number can be found on the back of the repayment card. For car loans handled by financial companies, you can call the customer service phone number of the financial company you belong to.
Step 2: To obtain the motor vehicle registration certificate, you must obtain it with your ID card.
Step 3: Go to the local vehicle management office to cancel the vehicle mortgage.
A car loan can change the payer.
If the owner originally applied for a car loan from the bank, he can first go to the bank counter where the car loan is handled and ask whether the car loan can be replaced by the repayment person. If the bank agrees, fill in the information of changing the repayment person according to the bank's operation process. This is equivalent to selling the car to the next home.
If the owner handles the auto loan business in an auto financing company, he needs to ask the staff of the auto financing company first whether there is any operation process that can change the auto repayment person. If there is, just change the car return person according to the process. But the ownership of the car still belongs to the auto financing company.
How to transfer the vehicle by loan?
If a car has a car loan, it cannot be bought or sold or transferred. First of all, the mortgaged vehicle property belongs to the lending institution, so the owner only has the right to use the vehicle and has no right to dispose of it. Only when the owner pays off all the loans together with interest can he own the property right of the vehicle, that is, the right to dispose of it, and then he can buy, sell or transfer the vehicle to others. Therefore, if the owner wants to buy a vehicle, he must accurately estimate his economic strength, so as not to be unable to repay the loan normally in the middle of the mortgage, which will affect the use of the vehicle and his future reputation.
Can I transfer the loan car?
I believe that most people who buy a car now will choose to use the loan installment method. Then, for the loan car, can the loan car be transferred?
Whether the loan car can be transferred mainly depends on whether the car loan is paid off.
If the car loan has been paid off and the vehicle has been released, the loan vehicle can be transferred normally.
I'm sorry if the car loan has not been paid off. According to the vehicle mortgage agreement signed with the loan bank at the time of loan installment, the vehicle has been mortgaged to the loan bank, and the owner has no final ownership of the vehicle and naturally has no right to transfer ownership.
After the loan is repaid, go to the office to learn about the process of mortgage procedures.
After paying off the last car loan, get in touch with the loan bank in about ten working days, apply for the loan settlement certificate, and get back the vehicle registration certificate mortgaged in the bank and the invoice when buying a car.
Then take all the necessary materials and go to the local vehicle management office to go through the formalities of vehicle release.
The materials required for vehicle release procedures are as follows:
Vehicle registration certificate
Original Application Form for Motor Vehicle Mortgage Registration/Pledge Filing, and stamped with the official seal of the mortgagee.
Identity certificates and photocopies of motor vehicle owners and mortgagees.
Power of attorney of mortgagee with official seal
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Can the mortgage car be transferred?
The mortgage car cannot be transferred.
Mortgaged cars cannot be transferred. Generally speaking, the car bought by loan cannot be transferred before the car loan is paid off, because the car is mortgaged to the lending institution. If the vehicle is to be transferred, the creditor's consent must be obtained. Because because the vehicle is in the repayment cycle, it cannot be traded and purchased, and obviously it cannot be transferred.
The only solution is that you pay off the loan in advance, and then go to the relevant departments to handle the transfer formalities with the repayment list.
Requirements for buying a car by mortgage:
1, local permanent residence.
2. Fixed apartment.
3, fixed work.
4. Have repayment ability.