At present, there are two main types of loans to buy a car, credit loans and mortgage loans. If it is a credit loan, the procedure is relatively simple. Just take your relevant materials and get your own green paper back, but the mortgage loan procedure will be much more.
1. Go to the bank to get the registration certificate and invoice, and ask the bank to issue a certificate and go to the vehicle management office to cancel the mortgage registration. If changing the license plate does not affect the loan, the green paper has the engine number. In fact, the license plate number is just another identification code, but the most important thing is the number on the engine.
2. If you buy a car with a loan, the vehicle registration certificate must be pledge registration. When buying a car, both parties should have signed a car purchase agreement. You should read the car purchase agreement carefully, but according to your current situation, you didn't borrow money from the bank to buy a car, but the 4S shop advanced the money for you and lent it to you, which means that the 4S shop itself collected your interest.
3. Now there are two problems: 1. The vehicle management office registered the full amount, which means the ownership of the car belongs to you. 2. You didn't pay for the 4S shop in full, and you didn't own the car. This is legally owned, but not actually owned. Jurisprudence must be based on facts, so they have the right to take back your car. As for your things, I think I will give them. In short, when looking at the car purchase agreement, it is necessary to clarify the rights and obligations of both parties.
1. Nowadays, cars are becoming more and more common in our lives, and most people have their own cars. However, it is still difficult for young people to spend about100000 to buy a car at once, so buying a car with a loan has become a common way to buy a car now, but after your car loan is paid off, the car still does not belong to you. Why? The key is the final procedure. Only when you really solve them and write your name on them will the car be yours.
At present, there are two kinds of loans for buying a car, credit loans and mortgage loans. If it is a credit loan, the procedure is relatively simple. You only need to take your relevant materials to get back your own Green Paper, but mortgage loan will be a lot more procedures, because when you borrow money, you mortgage the car you bought to the bank, and the Green Paper is also mortgaged to the bank, involving dealers and guarantee companies, so if these are not handled clearly, the car will be guaranteed.
When you pay off all the loans, you need to go through the formalities of understanding the mortgage with all your documents. When these procedures are cleared, you can get your own green book, and the bank will issue a certificate to pay off the loan. However, this process usually takes two or three days, and the dealer will get the green copy through you. The car is yours only if you really hold it in your hand.