Procedures to be handled after the car loan expires:

1. communicate with the lending institution in advance:

After paying off last month's car loan, the lender timely communicated with lending institutions, finance companies and other institutions to agree on the time to cancel the car loan;

2. Handle the settlement voucher:

Lenders bring loan contracts and ID cards to the business outlets of lending institutions, apply to the staff for issuing loan settlement certificates, and recover the original motor vehicle registration certificates;

3. Prepare the release materials:

Lenders need to carry the loan settlement certificate, the original motor vehicle mortgage registration with the mortgagee's official seal, the motor vehicle registration certificate, the original and photocopy of the owner's ID card, the original and photocopy of the driving license and other materials;

4. Go through the driving formalities:

The Lender will go to the vehicle management office with the above information and the agent entrusted by the mortgagee, and submit the vehicle release information to the staff, who will take photos and wait for the staff of the vehicle management office to review;

5, review the application materials:

The staff of the vehicle management office will review the application materials submitted by the lender, which will generally be approved in one day;

6. Apply for motor vehicle registration certificate:

After reviewing the information, the staff of the vehicle management office will go through the formalities of releasing the car for qualified applicants. Stamp the corresponding official seal on the motor vehicle registration certificate, and then return the original to the owner, that is, complete the vehicle release procedures.

Legal basis: Article 33 of the Regulations on Motor Vehicle Registration.

To apply for cancellation of mortgage registration, the motor vehicle owner and the mortgagee shall jointly apply, confirm the application information, and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee;

(2) Motor vehicle registration certificate.

If the people mediate, make a ruling or decide to cancel the mortgage, the owner or mortgagee of the motor vehicle shall confirm the application information and submit the motor vehicle registration certificate, the effective mediation book, ruling or judgment issued by the people, and the corresponding notice of assistance in execution.

The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of cancellation of mortgage registration on the motor vehicle registration certificate.

How to deal with the car loan after it expires?

After the car loan is paid off, go to the loan bank to settle the loan, and go to the vehicle management office with your ID card and settlement procedures to understand the mortgage procedures. After handling, the registration certificate will indicate the cancellation of mortgage in the registration column, and the vehicle will no longer be owned by the bank, but officially owned by the owner.

After the car loan expires, you need to handle the following three things: First, issue a settlement certificate. After the car loan expires, the borrower needs to go through the loan settlement formalities with the loan contract to the lending institution, and the staff will take back the loan contract on the spot and void it. The borrower requires the staff to issue a loan settlement certificate.

Second, cancel the mortgage registration. The borrower goes to the local vehicle management office to cancel the mortgage registration with the loan settlement certificate, driving license and other materials. After completing the relevant formalities, the vehicle management office will return the vehicle registration certificate to the owner.

Third, when all the car loans are settled, if the first beneficiary of the purchased car insurance is still a lending institution, don't forget to change the first beneficiary of insurance to the owner himself. (Photo/Text/Photo: Wu Binbin) @20 19

What procedures do I need to go through when the car loan expires?

After the car loan expires, you need to go through the mortgage cancellation procedures at the lending institution. After the mortgage is cancelled, you should go to the vehicle management office with the loan repayment certificate and other procedures. After completing the formalities at the vehicle management office, you can get your motor vehicle registration certificate back. In addition, the beneficiaries of auto insurance will also change.

1. Cancel the mortgage: when handling the car loan, mortgage the car registration certificate of the car in the bank. After paying off the loan, the mortgage business can be cancelled and the car can be owned by the owner. The car mainly prepares the original ID card, loan contract, repayment bank card and motor vehicle registration certificate. Then bring relevant materials to the vehicle management office for mortgage cancellation registration. After successful handling, you can get back the automobile property certificate.

2. Change the beneficiary of auto insurance: When handling auto insurance, the beneficiary is generally a lending institution. Therefore, after the car loan is paid off, the beneficiary of the car insurance needs to be changed to the owner himself.

1. What are the conditions for buying a car with a loan?

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Second, what is the process of buying a car with a loan?

1. Lead customers to choose cars at the bank's special dealers and sign car purchase agreements or contracts;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles;

5. Lenders (banks) handle loans;

6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.

3. What does the loan for buying a car include?

1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the Cooperation Organization.

4. What is the most cost-effective way to buy a car with a loan?

1, credit card loan to buy a car

The advantages of buying a car with a credit card loan are fast, simple and low threshold. Credit card loan procedures are relatively simple, and the audit is much lower than that of banks. Many credit card products have an interest-free period, so car buyers will repay their monthly bills in full and on time, so there is no need to pay interest. However, it should be reminded at this time that the interest-free period and the handling fee are two different charges. When handling the installment, although the bank does not charge interest, it will charge a certain fee. The handling fee varies according to the number of bills, and the interest rates and collection methods of banks are also different.

2. Bank loans to buy a car

The minimum down payment of bank loans can be reduced to 20%, so it is called the choice of prospective car owners who buy cars with loans. In addition, banks can apply for large loans with low interest rates and long repayment period. The most important point is that banks can handle car loans without the restrictions of car models and car dealers, which greatly increases the choice of car buyers. There are many benefits, but it is not so easy to approve. Not to mention the need to prepare a lot of materials, and the most terrible thing is that after you spend most of your time going through the process, the bank tells you, "I'm sorry, you don't meet the requirements."

This is the end of the introduction on how to deal with the expiration of car loans and how to go through the formalities when they expire. I wonder if you have found the information you need?