Reasons and solutions for not being able to transfer ownership:

1. During the mortgage process, the motor vehicle registration certificate of the automobile is mortgaged in the bank or guarantee company, and the lender only has the right to use the automobile, but has no right to dispose of it;

2. The loan car is fully insured, and the beneficiary is the car dealership;

3. If you need to sell your car for transfer during the mortgage period, you can consider applying for early repayment, paying off the principal and interest, and the car property rights will be returned to the borrower again, and you can apply for transfer;

4. Before applying for automobile mortgage, the borrower must consider the loan problem in combination with his own overall situation. Otherwise, not paying the loan halfway will not only leave a stain on his credit record, but also affect his application for other loans in the future.

Extended data:

Refinancing process:

1. The buyer and the seller sign a house sales contract;

2. The buyer and the seller sign a security guarantee contract for the sub-mortgage transaction with the law firm;

3. The buyer pays down 30% of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original purchase price);

4. Letter of confirmation that the seller's loan bank agrees in writing to make a one-time prepayment (including the principal and interest of the funds owed and the repayment account number);

5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review);

6. The seller actually delivers the house to the buyer;

7. Lend money after bank review and transfer it to the seller's bank;

8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank;

9. The buyer's loan bank will pay 30% of the down payment to the seller.

Baidu encyclopedia-subprime mortgage loan