Yes, buying a car by stages requires a mortgage green paper. During the mortgage period, your green paper will be kept by the vehicle management office. When you repay the loan, you need to apply for a mortgage. Your green paper will be returned to you after the mortgage is lifted.

Second, do 4s loans have to be mortgaged to buy a car?

The vehicle registration certificate must be mortgaged in the 4s shop to get a loan. This is to prevent you from buying and selling vehicles during the loan period. Generally speaking, if most people borrow money to buy a car, the Great Green Paper will basically be mortgaged to lending institutions, even including car purchase invoices.

When a customer borrows money to buy a car, the Green Paper (Vehicle Registration Certificate) does need to be mortgaged, but it is not directly placed in the 4S shop, but in the auto consumer finance company or bank that handles the car loan.

Of course, the vehicle is actually mortgaged, but the vehicle is used with the owner, so it is necessary to put the Green Paper in the handling bank (auto consumer finance company) as a voucher, and the Green Paper will contain the vehicle mortgage registration information. The owner does not own the ownership of the vehicle during the car loan period, but only owns the right to use the vehicle.

As long as the car loan is paid off, the customer can go to the handling bank (auto consumption finance company) to handle the loan settlement procedures, handle the loan settlement certificate, and then get back the green copy of the mortgage. After getting the loan settlement certificate and green copy, the customer goes to the local vehicle management office to understand the mortgage procedures and cancel the vehicle mortgage registration. By then, the car will truly belong to the customer.

There is no time limit for vehicle release, and customers can handle it at any time. If they are not here, they can also entrust others to handle it. Some 4S stores also provide agency distribution services.

There are three kinds of loans.

Mortgage loan, secured loan and credit loan. At present, only a few banks provide credit loans to old customers with good credit. Mortgage and car loan are both mortgage loans.

Handling process of automobile loan:

1. First, the lender needs to prepare proof materials such as ID card, residence certificate, work certificate and loan purpose certificate, go to a bank, fill out an application form and fill out a contract.

2. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.

3. Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

4. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank. Note: In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license, etc.

Third, after buying a car with a loan, must I go to the vehicle management office to apply for a car mortgage? Is it necessary to release Deng? ...

Yes, just get the license plate and mortgage the motor vehicle registration certificate.

Fourth, the car loan green pressure vehicle management office or 4S shop

The green capital of car loan is in vehicle management office, 4S shop or bank.

1, Vehicle Management Office: Generally, the green paper on mortgage vehicles will be pressed at the vehicle management office in the lender's area.

2, 4S shop: After buying a car by mortgage, the vehicle management office may hand over the Green Paper to the 4S shop, and the Green Paper will be placed on the 4S shop that bought the car.

3. Banks: As a result of lending in lending institutions, green capital may also be pressed in lending institutions where lenders lend.

1. Cars with outstanding loans cannot be sold. Because the car that is repaying the loan has signed a mortgage agreement with the unit you borrowed, and it is not entirely your own. After all the loans are paid off, the car can be transferred to its own name, and then it can be resold to others again. If you want to sell a vehicle that has not paid off the loan, you must pay off the loan before selling it.

2. Method of releasing the mortgage after paying off the car loan: Because the mortgage is registered at the vehicle management office when handling the car loan, you must go to the vehicle management office to release the mortgage after paying off the car loan. Prepare some relevant materials before handling, including the original application form for motor vehicle mortgage registration/pledge filing, the original and photocopy of the identity certificate of the motor vehicle owner and mortgagee, the motor vehicle registration certificate, etc. If you entrust others to handle it on your behalf, you also need to prepare the original and photocopy of the ID card of the client and agent, and the power of attorney issued by the mortgagee. Then take these materials to the vehicle management office to understand the pledge situation. It should be noted that the owner must be present when knowing the pledge, but the vehicle does not need to be present. Of course, some banks may help customers understand the mortgage procedures when they repay the car loan, but most banks will not help customers understand the mortgage procedures, and basically they need the car owners to do it themselves.

3. After the loan is paid off, you need to pay attention to the following points: First, determine whether your loan is a mortgage loan; Second, make sure that your loan has been repaid; Third, bring the original owner's ID card to the dealer to understand the mortgage procedures; Fourth, change the insurance beneficiary; Fifth, the loan deposit should be returned; Sixth, return the insurance that is not used in daily life.