2. Go to the vehicle management office to cancel the vehicle mortgage. Bring the motor vehicle registration certificate, loan repayment certificate issued by the lending institution, lender organization code, motor vehicle mortgage change application form, power of attorney, motor vehicle owner's ID card and other materials to the local vehicle management office for vehicle decompression procedures.
3. Go to the insurance company for the first beneficiary. Generally speaking, the first beneficiary of buying auto insurance is the lending institution. Therefore, we should change the first beneficiary to ourselves after repayment.
Through the above understanding, I believe you also know the procedures that need to be done after paying off the car loan. We must pay attention to these things, and deny that the car belongs to others after spending money. If you have any comments or experiences, please leave us a message below.
With the improvement of living standards, cars began to enter thousands of households. Buying a car is a very simple thing for consumers nowadays. If there is a lot of pressure to buy a car in full, you can also borrow money to buy a car. But there are still many doubts about people who borrowed a lot of money to buy a car. As we all know, it is enough to return the car on time every month, but many people are still not sure how to get their vehicle registration certificate back after the loan is repaid. Today, the author will talk to you about this issue.
Don't think that it will be okay after paying off the car loan! If you don't pay attention to these three points, you will still suffer.
The first point: cancel the bank card and get back the vehicle registration certificate.
Let's talk about your bank card loan first. Many people who borrow money to buy a car should know that your repayment card is a new one. This card is actually a credit card. After helping you repay the loan, this credit card is actually unusable. In other words, you need to contact the bank yourself and cancel this card. After canceling this card, you need to find a guarantee company or a 4s shop for the second card. It will take some time to get your own vehicle registration certificate invoice and the original insurance for the first year, but this is very important and needs everyone's attention.
The second point: cancel the mortgage at the vehicle management office.
Although your vehicle loan has been paid off and your original vehicle registration certificate and invoice have been returned, you should remember that your car is still mortgaged and you need to go to the local vehicle management office to decompress it yourself. This process is actually very simple, just bring your personal ID card and driving license. The process is simple, but this step is also very important. I hope you can remember.
The third point: remove the GPS.
The third point is that you need to remove the GPS of your car, so if your car is not equipped with GPS when you borrow money, there is no problem. However, some customers don't know when they buy a car with a loan, but many consumers know that their car is equipped with a GPS positioning system, so when your car is released from mortgage, you should take this GPS positioning device off at the first time, otherwise the guarantee company will still see where your car has gone, so this is also very important. I hope everyone can remember it.
Summary: The knowledge about how to release the mortgage and get back the vehicle registration certificate after the car loan is paid off is shared here today. If you still have something you don't understand, remember to leave a message in the comments area and let's discuss it together.
As for what needs to be done after the loan exchange, we also know that Mencius is a friend, and he also said it in detail. Brother Yang is here to add something to everyone! @ Mencius said the car
1. Take back that big green book.
2. Decompress the vehicle management office. (Some sss or distribution in this step may cost 100-500, which can also be understood as running errands. In fact, strictly speaking, this fee is not needed. )
3. The emphasis is on GPS.
Automobile GPS belongs to electronic products and consumables. It can be divided into wired GPS and wireless GPS, and wireless GPS works on batteries.
For wired GPS, it may be disassembled and used in other loan customers' cars, but if it is wireless GPS, the battery may be dead, or even they forget where it is installed, and it is useless to disassemble it.
Someone wants to know where this GPS is? Of course, it is not easy for you to find it. There are generally the following places.
1. The junction box in the cockpit is close to the OBD interface.
2. Internal navigation control.
3. The front and rear of the bumper.
4. And in the rearview mirror and so on.
We don't know the second situation, haha.
Well, let's just say that. I hope the great god who understands this can add it in the comments!
Now the car is not a rare thing, it can be said that it is the most mainstream means of transportation in today's society, and the threshold for buying a car is getting lower and lower. Even many businesses have introduced zero down payment for car purchase, which means that basically every household can own a car.
Of course, it may also be caused by market trends and personal economy. Most consumers will choose to buy cars by stages. After all, a car costs at least tens of thousands of yuan, and a slightly more expensive car even costs 65,438+10,000 and more than 200,000. It is still a bit difficult for ordinary families to buy a car in full.
Many car owners may not know what procedures need to be done after paying off the car loan, and even think that paying off the money is enough. In fact, after paying off the car loan, the owner needs to pay attention to completing the remaining procedures, otherwise the ownership of the car still does not belong to you.
1, green copy (motor vehicle registration certificate) and mortgage cancellation
Some financial institutions or banks will require green capital mortgage when handling installment loans, and will not release the mortgage until the loans are fully paid off.
If you don't know the process of discharging charge, you'd better contact the car manufacturer or 4S shop before discharging it. Generally, car owners only need to prepare personal and vehicle-related documents or materials, first go to the bank or financial institution to complete the payment certificate, get back the green paper, and then go to the vehicle management office to understand the charging procedures. The procedure is not complicated, but it is the most important link.
Step 2 remove the GPS
Generally, vehicles with installment loans will be forced to install GPS, but now if banks borrow money to buy cars, they will basically not install GPS on vehicles, because banks will decide through personal credit information, and it is impossible to lend money because of poor credit information.
However, if the owner is a third-party financial institution, there is a high probability that he will be forced to install a GPS locator to track the location information of the vehicle, so as to prevent the owner from driving away without repayment, which is a great loss for the merchants.
So when you buy a car, you should ask if you have installed GPS. If the vehicle is equipped with a GPS locator, it must be removed after the loan is repaid, because it is useless to keep it, and it cannot be used without paying a high traffic data fee. In addition, it is not safe to raise, and no one wants to be monitored by others in real time.
However, some car owners use credit loans when buying a car. Buying a car by stages, there is no so-called green paper on mortgage or vehicles are forced to install GPS. This situation is not so troublesome, but I still have to go to the vehicle management office to learn about the mortgage procedures. At the same time, it is necessary to check whether the beneficiary of insurance is a bank/institution or an individual car owner, which involves the issue of insurance compensation.
For consumers nowadays, buying a car is a very simple matter. If there is a lot of pressure to buy a car in full, you can also borrow money to buy a car. But there are still many doubts about people who buy cars with a lot of loans. As we all know, it is enough to return the car on time every month. Don't think that it will be okay after paying off the car loan! There are still some places to pay attention to.
1. Contact the 4s store. After the installment deduction is completed, contact the 4s shop to get back the registration certificate, decompress the contract and settle the certificate.
2. Carry the Vehicle Registration Certificate and the freight forwarder's settlement voucher to the vehicle management office for mortgage cancellation.
3. Modify the beneficiary of auto insurance, because it starts with a loan, so the beneficiary at the beginning is the payment institution. After the loan is paid off, the beneficiary needs to be changed to himself.
4. remove the gps. When buying a car by stages, the car that has not paid off the loan will be equipped with gps positioning. After paying off the loan, it is necessary to dismantle the gps of the car in stages to prevent the privacy of its location from being leaked.
For netizens who care about cars, there are actually some questions more or less, and they are also looking for answers. This time, let's see what questions we will answer.
First, confirm whether the loan has been paid off in full, and then you need to go through the mortgage cancellation procedures. If you don't go through the mortgage formalities, there will be restrictions on selling cars in the future.
The main steps are as follows: 1. Contact the dealer to obtain the relevant information needed to release the custody;
2. Whether to make an appointment by calling the vehicle management office and the required certificates;
3. Go to the vehicle management office or service point to handle business.
After all the formalities are completed, you can see the registration of "cancellation of mortgage" on the Motor Vehicle Registration Certificate, and the car really belongs to you from now on.
Hello, I'm Shimen Chetan ~ I'm glad to answer your questions, focusing on Japanese cars and German cars. Let me answer your questions! ! If you think my answer satisfies you and solves your problem, praise and attention are the best support for me! Thank you! After the car loan is settled, prepare the decompression materials, settlement certificate and motor vehicle registration certificate (green copy) to the bank or financial company that handles the loan to get the corresponding procedures, such as taking the decompression materials, settlement certificate, motor vehicle registration certificate (green copy) and related materials to the local vehicle management office for decompression business. If the vehicle is not decompressed, the ownership of the vehicle is not its own, so it is necessary to go through decompression registration after the loan is paid off, so that the vehicle can be transferred and filed in the future.
Can the positioning GPS be disassembled by itself? If you pay a GPS deposit in a bank or financial company, you'd better not remove it, because removing it yourself may lead to a non-refundable deposit.
If you don't pay the GPS deposit in the bank or financial company and have certain hands-on ability, you can dismantle it yourself, as long as you pay attention to the line and don't answer the electricity.
Nowadays, with the development of economy, private cars are no longer luxury goods, and even the zero down payment car purchase business launched by many platforms allows some young people to drive their own cars early. However, many Xiaobai are not familiar with some processes after repayment because it is the first time to handle car loan business.
In fact, after paying off the vehicle loan, there are two important procedures that must be handled. One is to cancel the mortgage on the motor vehicle registration certificate. This step is necessary because some financial institutions or banks often mortgage this certificate. If you really don't know, you can consult the relevant institutions or companies where your business is located.
The second is to remove the GPS from the car, and some vehicles with installment loans will be forced to install GPS to ensure that the vehicles will be driven away or transferred before the loan is paid off. This also needs to consult the relevant companies to be clear, but GPS, as an object related to its own privacy, is best removed.
However, some car loans are credit loans, and there are not so many procedures in themselves. They just need to go to the DMV to learn about the charging procedure. At the same time, pay attention to check whether the insurance beneficiary is himself. The above are some processes after the car loan is paid off, for reference only.
Nowadays, many people will choose loans to buy cars. Loans can really alleviate the economic pressure of car owners. It's a good choice. Although there will be interest, it is still affordable to spread it evenly every month. You need to go through the application procedures before the loan, so what procedures do you need to go through after the loan is completed?
After the vehicle is repaid, whether to go through any formalities depends on what kind of loan the owner handles. If it is an unsecured credit loan, there is no mortgage before anyway, so after the loan ends, the relationship with the bank will automatically terminate without any formalities. Unsecured loan is a more reliable way, but the bank's audit requirements are strict when applying, and customers with better credit qualifications suggest choosing this kind of loan.
There is also a mortgage loan. This kind of loan generally needs to mortgage the vehicle title certificate or other valuable documents in financial institutions, and also needs to install GPS in the car. The cost of installing GPS is still borne by the owner. Because this kind of loan is mortgaged by real estate, the requirements for inquiring the applicant's credit information are not so strict. At the same time, because of the high risk, the owner will be required to install GPS. After the loan is over, the owner needs to go to the financial institution to go through the formalities of unbinding, mainly to get back the mortgaged items. Be sure to remember how much material he mortgaged and how much material he wanted to get back. The specific requirements of each financial institution are different, and car owners need to make records. Then, if someone installs GPS and wants to stay and continue to use it, it is necessary to confirm whether financial institutions will really stop supervising their vehicles. If you feel unreliable and want to dismantle it, then do all the formalities well and find a place to dismantle it yourself.
In fact, it is very important to choose what kind of loan for vehicle loans. If you can choose unsecured loans, you can choose unsecured loans. If you want to apply for an unsecured loan, you should choose a reliable financial institution, and then make sure that the procedures of both parties are clearly handed over, so that you can have a basis when you go through the procedures of unbinding. The vehicle is large and the loan amount is not low, so be cautious.
Just watch the video.