1, mortgage cars are generally not recovered by banks. If the borrower fails to repay the loan on time, the bank can negotiate with him to auction the mortgaged property. If negotiation fails, the bank brings a lawsuit to the court. In the absence of other agreements, the bank shall give priority to the realization of creditor's rights with the mortgaged property of the borrower, and the guarantor shall bear the responsibility of supplementary repayment guarantee.

2. Legal basis: Article 392 of the Civil Code of People's Republic of China (PRC).

If the secured creditor's right is secured by both things and other things, if the debtor fails to perform the due debt or the parties agree to realize the security right, the creditor shall realize the creditor's right in accordance with the agreement; If there is no agreement or the agreement is unclear, and the debtor provides the security of the property himself, the creditor shall give priority to the realization of the creditor's right with respect to the security of the property; Where a third party provides a property guarantee, the creditor may realize the creditor's right with respect to the property guarantee, or may require the guarantor to assume the guarantee responsibility. The third party providing the guarantee shall have the right to recover from the debtor after assuming the guarantee responsibility.

2. What are the requirements for vehicle mortgage loan?

1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China;

2 have a stable professional and economic income, and can guarantee the repayment of the principal and interest of the loan on a regular basis;

3. Can provide automobile mortgage, and have the guarantee measures approved by the loan bank;

4. The lender has the ownership of the local mortgaged vehicle.