Legal analysis: Cars with mortgage loans cannot be transferred. Generally speaking, a car purchased with a loan cannot be transferred before the car loan is paid off, because the vehicle is mortgaged to the lending institution. If you want to transfer the vehicle, you must obtain the creditor's consent. Because vehicles that are in the loan repayment period cannot be traded or bought, and obviously cannot be transferred. Only when all loans, including principal and interest, are paid off will the car's title be returned to the owner.

Legal basis: "Motor Vehicle Registration Regulations" Article 18 If the ownership of a registered motor vehicle is transferred, the current owner of the motor vehicle shall report to the place of registration within thirty days from the date of delivery of the motor vehicle. Apply for transfer registration at the vehicle management office. Before the owner of a motor vehicle applies for transfer registration, he must resolve all road traffic safety violations and traffic accidents involving the vehicle. Article 19 To apply for transfer registration, the current owner of the motor vehicle shall fill out the application form, submit the motor vehicle for inspection, and submit the following certificates and vouchers: (1) Identity certificate of the current owner of the motor vehicle; (2) Transfer of ownership of the motor vehicle (3) Motor vehicle registration certificate; (4) Motor vehicle driving license; (5) For motor vehicles under customs supervision, the "Certificate of Release of Vehicles from Customs Supervision of the People's Republic of China" must also be submitted Or the transfer certificate approved by the customs; (6) For motor vehicles that have exceeded the inspection validity period, the motor vehicle safety technical inspection certificate and the compulsory traffic accident liability insurance certificate must also be submitted. If the current motor vehicle owner’s residence is within the jurisdiction of the vehicle management office, the vehicle management office shall confirm the motor vehicle, check the vehicle identification number rubbing film, review the submitted certificates and vouchers, and take back the license plate within one day from the date of acceptance of the application. , driving license, determine the new motor vehicle license plate number, endorse the transfer matters on the motor vehicle registration certificate, and re-issue the license plate, driving license and inspection mark. If the current motor vehicle owner's residence is not within the jurisdiction of the vehicle management office, the vehicle management office shall handle the matter in accordance with the provisions of Article 13 of these regulations.