the owner mortgaged the vehicle certificate to the bank. When the vehicle is sold, the owner needs to go to the bank to redeem the certificate. Redemption of the certificate is the process of getting back the car certificate from the bank. If the owner or 4S shop has financial problems, mortgage is a temporary solution, and mortgage loan is a means of financing. Institutions or individuals who need liquidity positions can obtain bank guarantees from the vehicles registered in their names.