Generally speaking, the operation steps of canceling the mortgage after the car loan repayment mainly include the following points:
1. The user went to the bank to confirm repayment: make sure to pay off all the loans.
2. The user should get back the motor vehicle registration certificate: the borrower holds the motor vehicle driver's license, ID card and bank repayment details, and goes to the bank to explain his purpose to the bank staff, showing the repayment details, ID card and other materials, and the staff can handle it after verifying the information.
3. Handling vehicle mortgage cancellation procedures: The borrower will wait for the local vehicle management office with the loan settlement certificate, ID card and motor vehicle registration certificate. , and apply to the staff for cancellation of vehicle mortgage and provide relevant information. After verification, the mortgage can be cancelled.
4. Change the first beneficiary of auto insurance: After the car loan is fully settled, the borrower must change the first beneficiary of insurance to himself.
Extended data
A car loan needs to meet the following conditions:
1, with valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization. The process of buying a car with a loan:
, leading customers to choose cars at the bank's special dealers and signing car purchase agreements or contracts;
The borrower applies to the loan bank for personal automobile mortgage;
Sign the contract after investigation and consent;
, for car notarization, mortgage and other procedures;
The lender handles the loan;
After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.
Second, what are the pitfalls of online lending?
1 is called low interest rate or zero interest rate. Many online loans cheat borrowers to apply in the name of low interest rates. However, the fees applied for inspection, data and services are unacceptable to the borrower. When I said I didn't want to borrow money, I got the following reply, and these expenses have been deducted.
2. Take personal information. Many online loans use borrowers to apply for loans in the name of loan companies to obtain personal information. Used to resell personal data to obtain illegal income. This is why after applying for some online loans, there will be calls from sales loans and intermediaries.
3. upfront costs. Collect channel fees, packaging fees, etc. Borrow money from a borrower without applying. Formal online lending platforms are never allowed to charge upfront fees, and charging 100% upfront fees is a trap.
4. Members need to recharge when borrowing money. In the early stage of disguised collection, rushing members and paying the next payment are not the same thing. You can only apply for membership, but the next payment depends on the platform.
5. beheading. Many 1000 applications received only 700, all of which were beheaded. It is illegal for the platform to deduct the interest in the next paragraph.
6. The audit period is included in the loan period. This kind of platform is also quite deceptive. Even the fastest platform has audit time, and the fastest platform has a day and a week. It is unreasonable to count the audit period as the loan period. For example, the borrower 1 applies for a loan under 10, and the loan period is one month. Then the repayment date next month should be 10 instead of 1.
7, just overdue without prompting. Some online loans will not be prompted when you are overdue, but after you are overdue for a period of time, the overdue fee will increase exponentially.
What is the procedure of car decompression?
To handle the procedures of automobile decompression, you need to handle the motor vehicle registration certificate, the loan settlement certificate issued by the lending institution, the lender's organization code certificate, the application form for motor vehicle mortgage registration/pledge filing, the power of attorney, the motor vehicle owner's ID card and other materials.
Go through the departure formalities:
1. After deducting the last month's mortgage payment, it will take about 10 working days to get back the mortgage formalities at the bank that handles the car installment payment. Bank credit card car installment, it is best to call the bank's customer service phone in advance to check whether it has all been settled, and the customer service phone can be found on the back of the repayment card. When handling car loans in the finance department, you can call the customer service phone number of your own financial company or go to the car dealer for consultation.
2. To obtain a motor vehicle registration certificate, you must hold an ID card. Other possible procedures include: motor vehicle driving license, bank repayment details, etc.
3. After obtaining the registration certificate, you need to go to the local vehicle management office to cancel the vehicle mortgage. Materials to be carried include: motor vehicle registration certificate, loan settlement certificate issued by the lending institution, lender's organization code certificate, motor vehicle mortgage registration/pledge filing application form, power of attorney and motor vehicle owner's ID card.
4. Go to the corresponding service window in the lobby of the vehicle management office.
What procedures do you need to decompress the loan car?
After the loan car has repaid the loan, it can decompress the Great Green Paper in the following ways:
1. The owner is going to pay off the loan at the bank or auto financing company that handles the auto loan, and get five kinds of certificates, namely, vehicle registration certificate, loan settlement certificate, vehicle purchase invoice, purchase tax invoice and organization certificate of the lending institution.
Second, go to the vehicle management office to handle the mortgage cancellation procedures. It is best to go to the vehicle management office where the mortgage registration was originally conducted to understand the mortgage business.
After the loan is paid off, the financial company will mail a large green copy to the owner. For example, the manufacturer's financial loan is handled in 4s, and the staff of 4s shop will contact by phone and get a green copy.
First of all, the car mainly goes to the bank or auto financing company that handles the car loan to pay off the loan, and gets five kinds of documents, such as vehicle registration certificate, loan settlement certificate, car purchase invoice, purchase tax invoice and organization certificate of the lending institution. Then go to the vehicle management office to cancel the mortgage.
Procedures for understanding the letter of commitment at the vehicle management office:
1. The vehicle owner shall bring relevant certification materials to the business window of the service hall of the local vehicle management office for handling;
2. Get the Application Form for Motor Vehicle Mortgage/Mortgage Cancellation Registration in the business window and fill in the complete information;
3. Queue to get the number and then wait for the phone to handle the business;
4. Submit the motor vehicle registration certificate, the original and photocopy of the identity certificate of the motor vehicle owner and pawnshop, the application form for motor vehicle mortgage registration/pledge filing, the loan repayment certificate and other materials to the staff;
5 to receive the "motor vehicle registration business acceptance certificate";
6. Finally, get the motor vehicle registration certificate back with the motor vehicle registration business acceptance certificate.
Handling mortgage procedures is completely free, and car loans will be entered into the central bank's personal credit information system. As long as you repay the loan on time and there is no record of overdue interest, your personal credit report shows that the loan has been settled after repayment. At this time, this loan will not have any impact on other loans you handle in the bank, so don't worry.
You don't need to mortgage a green car loan to buy a car in installments. Simply put, it is a credit loan. According to the owner's credit accumulation, the bank directly approves a certain amount of installment quota. In this case, after paying the down payment and completing the vehicle registration formalities, the vehicle registration certificate of the vehicle, that is, the green copy of the vehicle, will come to us directly with the driving license. Of course, since there is no mortgage, there is no decompression procedure to handle.
Before 20 19,1June 28th, it is necessary to provide the original identity certificates, mortgage contracts and other materials of both motor vehicle owners and mortgagees, especially the original business licenses of mortgagees such as banks, which is rather troublesome. On May 28th, 20 19, the Ministry of Public Security issued a document to simplify the cancellation of vehicle mortgage registration. According to the new regulations, from June 2009 1, 2065438, the mortgage registration procedures were cancelled. Users only need to file at the local vehicle management office, and the identity certificate submitted can be a copy of the business license stamped with the official seal; The copy of the business license and the official seal on the mortgage contract can use not only the physical seal, but also the electronic seal, and the stamping of materials is also greatly reduced compared with the previous requirements.
What is the procedure for vehicle decompression?
Bian Xiao is about "What procedures are needed for vehicle decompression?" Provide you with the following related contents:
Procedures for vehicle decompression include: 1, power of attorney; 2. The owner's personal valid identity document; 3. Fill in the complete Application Form for Motor Vehicle Mortgage Registration and Pledge Filing; 4. Organization code certificate of the lending institution; 5. Motor vehicle registration certificate; 6. Lending institutions issue loan settlement certificates. The vehicle decompression process is divided into: 1, normal decompression, and banks and 4S shops and mortgage companies handle loans. After the loan is paid off, the bank or 4S shop will issue a repayment certificate, and then I will go to the municipal archives to decompress. There are also institutions where banks or credit companies send decompressors and cars to handle repayment agreements and repayment vouchers. 2. Repay the loan in advance. Go to the bank that handles the loan first to apply for early repayment, and then decompress after repayment.