Legal analysis: 1. After the last monthly payment of the car loan is deducted, it will take about 10 working days to get the mortgage back from the bank that handles the car installment payment. For the bank's credit card car installment, it is best to call the bank's customer service number in advance to inquire whether it has been fully settled. The customer service number can be found on the back of the repayment card. For car loans processed at a financial company, you can call the customer service hotline of the financial company to which you are affiliated, or go to the car dealer for consultation.

2. To receive the motor vehicle registration certificate, you must obtain it in person with your ID card. Other procedures that may be used include: motor vehicle driving license, bank repayment details, etc.

3. After obtaining the registration certificate, the next step is to go to the local municipal vehicle management office to handle the procedures for releasing the vehicle mortgage. The documents that need to be brought include: motor vehicle registration certificate and loan issued by the lending institution. Settlement certificate, the lender’s organizational code certificate, the “Motor Vehicle Mortgage Registration/Pledge Filing Application Form”, the power of attorney, and the motor vehicle owner’s ID card.

4. After arriving at the vehicle management office, go to the corresponding service window to apply.

Legal basis: "Motor Vehicle Registration Regulations" Article 24 To apply for cancellation of mortgage registration, the owner of the motor vehicle shall fill in an application form, and the owner of the motor vehicle and the mortgagee shall apply together , and submit the following certificates and vouchers:

(1) Identity certificate of the motor vehicle owner and mortgagee;

(2) Motor vehicle registration certificate.