Changing the car involves the change of the mortgage right of the car, and the bank will not allow changing the car until the loan is settled. Before the car loan is settled, the title certificate of the vehicle is mortgaged in the lending institution. The owner has only the right to use the vehicle, but no property right. The insurance beneficiary of the vehicle is also a lending institution. The owner can only drive, not buy or sell the vehicle or transfer it to others.