The dealer will deduct the mortgage to the bank loan. When consumers buy a car, they often have to wait for a period of time until the dealer redeems the certificate with money before the vehicle can be used normally. 4S shop loans to buy a car and mortgages the car certificate to the bank. As long as the bank's car loan is approved, you can get back the car license at that time, and then the 4S shop will help you get the license plate, get the car registration certificate, go through the mortgage registration formalities (the license will be filed by the vehicle management office), and the customer will sign the loan contract at the outlet, and then the bank will lend money. After the car dealer receives the car payment, the subsequent customers can repay the car loan in installments on time according to the repayment plan agreed in the contract. When the car loan is fully paid off, the customer can apply for the mortgage vehicle registration certificate again, and then go to the vehicle management office to understand the charging procedures.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 11 An individual loan application shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

1. What property can be mortgaged:

1. Houses and other fixed objects on the ground owned by the Mortgagor.

2. Machines, vehicles and other property owned by the mortgagor.

3. State-owned land use rights, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law.

4. State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law.

5. The land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer.

6. Other properties that can be mortgaged according to law.

Second, what property can't be mortgaged?

1, land ownership.

2, arable land, homestead, private plots, private hills and other collectively owned land use rights, but the fifth paragraph of Article 34 and the third paragraph of Article 36, that is, "the land use rights of township (town) and village enterprises shall not be mortgaged separately. Where buildings such as factories of township (town) and village enterprises are mortgaged, the land use right within the occupied area shall be mortgaged at the same time, unless otherwise stipulated.

3, schools, kindergartens, hospitals and other public institutions, social organizations, educational facilities, medical and health facilities and other social welfare facilities.

4. Property whose ownership and use right are unknown or controversial.

5. Property that has been sealed up, detained or supervised according to law.

6. Other properties that may not be mortgaged according to law.