Steps to get the green paper after paying off the car loan:
1, with my ID card, motor vehicle driving license and bank repayment details, go to 4s shop to get the motor vehicle registration certificate.
2. Go to the local vehicle management office to cancel the vehicle mortgage.
3. Go to the vehicle service hall of the vehicle management office or the vehicle service hall of the traffic police brigade of the district (city) county, receive the Application Form for Motor Vehicle Mortgage or Cancellation of Mortgage Registration and fill it out.
4. Submit the application form for motor vehicle mortgage or cancellation of mortgage registration, the identity certificates of the mortgagee and mortgagor, the motor vehicle registration certificate, the main contract and mortgage contract concluded according to law (cancellation of mortgage is repayment certificate) and other materials, and receive the acceptance certificate of motor vehicle registration business.
5. Pay at the designated window of the bank, and obtain the motor vehicle registration certificate with the payment voucher and the motor vehicle registration business acceptance voucher.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Automobile loan channel
1. auto financing company: the biggest advantage lies in convenience and low threshold. Companies are generally founded by car companies. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that there are no requirements for hard conditions such as hukou and real estate.
2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it.
3. Bank car loans, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is a wide range of choices. Car buyers can go directly to the bank to apply for personal car consumption loans after they take a fancy to the models.
However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks are open to high-end customers or high-end models, and the car itself can be used as a mortgage. However, compared with other car loan methods, the time period for approval is very long.
In terms of loan interest rate, the auto mortgage interest rate generally rises by about 10% on the basis of the benchmark bank loan interest rate in the same period. Most car loan businesses need guarantee companies to guarantee or buy car guarantee insurance, and car buyers also need to bear 2.5% to 3% guarantee fees. When all procedures are added up, the comprehensive cost of bank car loan is the highest among the three ways.
How to get the green paper when the car loan expires
1. The owner needs to go to the loan bank to handle the settlement certificate;
2. The owner needs to bring his valid ID card, driver's license and related materials to the 4s shop to retrieve the green copy;
3. The owner also needs to go to the vehicle management office to cancel the mortgage status of the vehicle;
4. The owner needs to go to the insurance company to change the first beneficiary of the insurance.
The above is the way to get the green paper after paying off the car loan.
What is a car loan?
In real life, auto loan refers to the lender's loan from the bank's financial institution to buy a motor vehicle. Generally speaking, car loan is a kind of mortgage loan, and the owner needs to mortgage the vehicle to the bank to obtain the corresponding loan funds. Car loan can also be called car consumption loan, which is a consumer loan issued by banks to lenders who need to buy cars for their own use. The car loan time is mostly 1~3 years, and the longest time cannot exceed 5 years. The loan object of the automobile consumption loan needs to be the permanent population in the place where it is located, and has full capacity for civil conduct and can repay the relevant loans.
The car loan has been paid off. How can I get my green book back?
1. If the installment payment has been paid off, you can go to the loan bank ten days later and take away the formalities of car mortgage.
Second, to retrieve the car registration certificate, you should bring the owner's ID card, motor vehicle driving license and loan repayment certificate to the car shop where you bought the car at that time. If you borrow money from the bank, you can go to the bank to get it back. Specific information can be determined by looking at the contents of the auto insurance policy.
3. Bring my ID card, motor vehicle registration certificate, loan repayment certificate, motor vehicle mortgage change application form, lender organization code and power of attorney to the local vehicle management office for decompression procedures.
Fourth, change the owner to the first beneficiary of auto insurance. Usually, the first beneficiary of car insurance purchased by car loan is the loan unit, that is, the bank. After reinsurance, the owner should be changed to the first beneficiary of auto insurance.
Car loans need to meet the following conditions:
1. Have 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:
1. Lead the customer to the bank's special dealer to choose a car and sign a car purchase agreement or contract;
2. The borrower applies to the loan bank for personal automobile mortgage;
3. Sign the contract with the consent of the investigation;
4. Go through the formalities of notarization and mortgage of automobiles;
5. The lender handles the loan;
6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.
In fact, buying a car with a loan has become a mainstream of society. However, for car loans, some people apply directly to banks, while others apply to some auto financing companies. Both have their own advantages. We can choose according to our own needs. Some people think that the bank is more reliable, so we will go to the bank to apply for a loan, but the steps are relatively complicated and cumbersome. Auto financing companies audit faster, but the interest rate is higher than that of banks, because they also want to make money.
Generally speaking, applying for a car loan through different channels has different interest rates. Generally speaking, it is the most common to apply to banks, but the threshold for applying for bank car loans is higher, while the threshold for auto financing companies is lower, but the interest is higher. Finally, in terms of credit cards, buying a car with credit cards has the highest interest rate, and credit cards need to have a high amount.
How to get back the Green Paper after paying off the vehicle mortgage loan?
To handle the "personal consumption car loan" in Bank of China, you need to go through the formalities of understanding and mortgage. As there are differences in business handling in different regions, please consult BOC loan handling outlets for details.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.