In many cases, mortgaging a vehicle is a common method of loan security. If the borrowed money cannot be repaid, the car will be mortgaged to others. Generally, bank loans include mortgage loans. Mortgage loans can reduce the amount of money the bank has to pay. risk. I have brought the following legal knowledge through your questions, I hope it will be helpful to you.

Can the debtor voluntarily pledge his car as repayment? Yes, as long as both parties reach an agreement.

Characteristics of mortgage (1) The mortgagor and the mortgagee shall enter into a mortgage contract in writing. Article 38 of the "Security Law"; "The mortgagor and the mortgagee shall enter into a mortgage contract in writing." (2) Mortgage does not transfer possession of the mortgaged property. Article 33 of the "Security Law"; "The term "mortgage" as used in this Law means that the debtor or a third party does not transfer possession of the property listed in Article 34 of this Law and uses the property as a guarantee for the creditor's rights. When the debtor fails to perform the debt, The creditor shall have the right to receive priority payment from the price of the property at a discount or from the auction or sale of the property in accordance with the provisions of this Law." (3) When the debtor fails to perform its debts, the creditor has the right to receive priority payment from the price of the property at a discount or from the auction or sale of the property in accordance with the law. Properties that can and cannot be mortgaged Property that can be mortgaged; Article 34 of the "Security Law" The following properties can be mortgaged: (1) Houses and other fixtures on the ground owned by the mortgagor; (2) Machinery, equipment and equipment owned by the mortgagor. Transportation and other property; (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, transportation and other property that the mortgagor has the right to dispose of according to law ; (5) The land use rights of barren hills, barren ditches, barren hills, barren beaches and other barren lands contracted by the mortgagor in accordance with the law and mortgaged with the consent of the contract-issuing party; (6) Other properties that can be mortgaged in accordance with the law. The mortgagor may mortgage the properties listed in the preceding paragraph together. Property that cannot be mortgaged; Article 37 of the "Security Law" The following properties cannot be mortgaged: (1) Land ownership; (2) Collectively owned land use rights such as cultivated land, homesteads, private land, private hills, etc., except for Article 3 of this Law. Except for those specified in Item (5) of Article 34 and Paragraph 3 of Article 36; (3) Educational facilities, medical and health facilities and other public welfare institutions, social groups such as schools, kindergartens, hospitals, etc. Social welfare facilities; (4) Properties whose ownership and use rights are unknown or in dispute; (5) properties that have been sealed, detained, and supervised in accordance with the law; (6) Other properties that cannot be mortgaged in accordance with the law. Types (1) Real estate mortgage refers to the mortgage set up with real estate as collateral. The so-called real estate refers to property that cannot be moved or will lose its original value or use value after being moved, such as land (in China, it is limited to construction land use rights and land contract management rights that can be mortgaged), buildings and other land attachments. Properties (such as houses, etc.); (2) Chattel mortgage refers to a mortgage set up with chattels as collateral. Movable property refers to property that can be moved and does not affect its use value or reduce its value after being moved (in China, it is limited to special movable properties such as vehicles); (3) Mortgage of rights refers to the use of various property rights stipulated by law as a mortgage For the mortgage of real objects, according to current Chinese law, rights can only be used for pledge; (4) Consortium mortgage, also known as corporate mortgage, means that the mortgagor (enterprise) uses all the movable property, real estate and rights as a mortgage object This type of mortgage is actually a collection of various security types and is not a legal mortgage method. (5) ***Same mortgage is also called a blanket mortgage, which refers to the security of the same claim on several different properties. The mortgage set above is actually a collection of various security types and is not a legal mortgage method; (6) The maximum mortgage refers to the agreement between the mortgagor and the mortgagee that within the maximum limit, the pledged property will Securing claims that occur continuously within a certain period. In many loan contracts, the borrower will mortgage some of his previous things to the creditor. At this time, the rights and interests of our creditors can be protected. If the debtor cannot repay, he can give the vehicle to others to offset some money. If the above is the relevant answer,