The vehicle creditor's rights cannot be transferred. If the vehicle is used as collateral, the mortgagor has no right to change the ownership privately, and it can only be sold with the consent of the mortgagee, and the debt shall be paid off with the proceeds; If the mortgagee refuses to sell, he shall transfer the ownership after the loan is paid off and the mortgage is released. The mortgage car can't be transferred, because the car has been mortgaged, and the property right doesn't belong to the owner for the time being, so the owner has no right to transfer the car that doesn't belong to him for the time being to others. You need to pay off the mortgage, and you can handle the transfer only after the mortgage is released. Mortgage cars are available for purchase. Mortgage vehicles are generally mortgaged to lending institutions through formal procedures, with complete procedures and various agreements signed. The price of the mortgage car is much lower than the market price. If you buy the mortgage car, you can drive normally, check the car and buy insurance. The only disadvantage is that you can't transfer the ownership. In order to avoid some unnecessary risks and losses, remind everyone that you must go to a formal institution to buy a mortgage car. When buying a mortgage car, you must find out the source of the mortgage car (including owner information, complete agreement, vehicle procedures, etc.), because it determines whether the mortgage car you buy is standardized and legal.

article 46 of the civil code of the people's Republic of China, during the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected. Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of mortgaged property may damage the mortgage right, he may request the mortgagor to pay off the debt or deposit the proceeds from the transfer to the mortgagee in advance. The part of the transferred price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.

1. The materials generally needed for house transfer are as follows:

1. Application for transfer registration;

2. Identification materials such as the applicant's ID card;

3. Property right certificate of the house;

4. Proof of reasons for registration. If the ownership is transferred due to sale, it is a sales contract;

5. Other materials needed.

2. The process of house transfer is as follows:

1. Confirm the property right.

2. Sign the sales contract and pay the down payment, but the down payment is not paid directly to the owner, but to the intermediary company for safekeeping.

3. After getting the house purchase contract, bring personal information such as ID card and apply for a house purchase loan from the bank.

4. Pay the down payment first, but fill in the bank loan application form, which will be examined and approved by the bank.

5. After the approval of the bank, go to the real estate transaction management office to handle the transfer formalities.