The loan car has paid off the formalities required for transfer: 1. Prepare the original and photocopy of the seller's ID card, the original and photocopy of the buyer's ID card, the original and photocopy of the vehicle purchase invoice or the latest transfer invoice, the original and photocopy of the vehicle registration certificate of the transfer vehicle, the original and photocopy of the vehicle driving license, the second-hand vehicle sales contract and other materials; 2. Sign a contract for the sale of used motor vehicles and inquire about violations. If there is any violation or overdue inspection, the transfer cannot be made. Go to the second-hand car market or any place where you can invoice and issue a transfer ticket. Then go to the vehicle management office or the vehicle management office of the used car trading market to go through the licensing procedures; 3 staff for vehicle inspection, registration extension, license cancellation, photography, etc., shall pay the registration fee. Take photos of vehicles and paste them on the inspection records; 4. After passing the violation inspection, go to the relevant window to handle the delivery procedures of the original vehicle and vehicle number plate, select the number, and issue a new driving license, tax registration certificate and new number plate with the relevant documents and the registration form/transfer application form for motor vehicle registration, transfer and cancellation, and transfer ticket.

Pay off the car loan and transfer it to another person?

Because the ownership of our vehicle still belongs to the loan company at this time, it is not in our hands, so we have no right to control this vehicle. If there is really no way, we can also choose the following ways to transfer ownership:

1. We can discuss with the buyer and let him pay off the loan first. After the ownership of the vehicle belongs to us, we will transfer it to them. Because many buyers may just like this car and are willing to spend some time and energy to do it, but more often, buyers may feel unsafe and choose not to do it.

You can discuss it with the second-hand car dealer. The second-hand car dealer will pay off the loan for us first, and then we will transfer it to the dealer. At this time, the ownership of the vehicle belongs to the second-hand car dealer, and then they will transfer the ownership for us.

3. Another way is to find a way to pay off the loan yourself, and then transfer the vehicle after repayment.

Buying a car with a loan seems to be very cost-effective, and now the procedures are becoming more and more formal, which is relatively reliable, but its disadvantage is that the ownership of the car does not belong to us until the loan is paid off, so we must consider it well and never regret it after the loan.

What are the procedures for car loan transfer?

There are many procedures that need to be handled after the car loan is paid off, as follows:

I. Procedures to be handled after the car loan is paid off

1. Go to the bank or the "car loan" company to handle the loan settlement certificate. When you applied for the loan, you signed an auto loan agreement, so you must issue a loan settlement certificate to prove that the auto loan was paid off in full and on time;

2. Bring back the registration certificate of the original mortgaged vehicle;

3. Go to the local vehicle management office for mortgage cancellation. When buying a car by installment, the Green Paper is mortgaged, and the mortgage status of the vehicle is also registered on it, so the mortgage cancellation procedures should be handled in time after paying off the loan;

4. Go to the insurance company to go through the formalities for changing the beneficiary of auto insurance.

Second, the legal basis

Article 24 of the Regulations on Motor Vehicle Registration

To apply for cancellation of mortgage registration, the motor vehicle owner shall fill in the application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee;

(2) Motor vehicle registration certificate. If the people mediate, make a ruling or make a judgment to cancel the mortgage, the owner or mortgagee of the motor vehicle shall fill in the application form and submit the motor vehicle registration certificate, the effective mediation book, ruling or judgment issued by the people, and the corresponding notice of assistance in execution.

The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of cancellation of mortgage registration on the motor vehicle registration certificate.

Third, the process of canceling the mortgage after the car loan is paid off.

1. After deducting the last month's mortgage payment, it will take about 10 working days to get your mortgage back at the bank that handles the car installment payment. The bank's credit card car is in stages. It is best to call the bank's customer service phone in advance to ask if it has been completely settled. The customer service phone number can be found on the back of the repayment card. For car loans handled by financial companies, you can call the customer service phone number of the financial company you belong to, or go to the car dealer for consultation;

2. To obtain a motor vehicle registration certificate, you must hold an ID card. Other possible procedures include: motor vehicle driving license, bank repayment details, etc. Where can I get my own motor vehicle registration certificate? Refer to "Where can I get my own motor vehicle registration certificate when the car loan expires";

3. After getting the registration certificate, the next step is to go to the local vehicle management office to handle the vehicle mortgage cancellation procedures. Materials to be brought together include: motor vehicle registration certificate, loan settlement certificate issued by the lending institution, lender organization code certificate, motor vehicle mortgage registration/pledge filing application form, power of attorney, and motor vehicle owner's ID card. The financial institution handling the car loan shall hand it over to the parties when handing over the registration certificate;

4. After going to the lobby of the vehicle management office, you can handle it at the corresponding service window.

How to transfer the vehicle after the car loan is paid off?

If the second-hand car loan handled by the bank is paid off, the bank must first issue a loan settlement certificate, and then bring personal identification certificate, driving license, loan settlement certificate and other materials to the vehicle management office to understand the charging procedures.

After deducting the last month's mortgage payment, you can get back your mortgage formalities at the bank that handles car installment payment in about 10 working days. The bank's credit card car is in stages. It is best to call the bank's customer service phone in advance to ask if it has been completely settled. The customer service phone number can be found on the back of the repayment card. For car loans handled by financial companies, you can call the customer service phone number of your financial company or go to the car dealer for consultation.

When the owner of a motor vehicle cancels the mortgage registration, he shall submit the following procedures to dmv, and the motor vehicle may not be present:

I. Original Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.

The original is stamped with the official seal of the mortgagee.

Two, the identity certificate of the motor vehicle owner and the mortgagee.

If the owner of the motor vehicle is an individual, the original and photocopy of the resident identity card or temporary resident identity card shall be provided, and the temporary resident shall also submit the original and photocopy of the residence certificate issued by the public security organ.

Third, the motor vehicle registration certificate.

To get a motor vehicle registration certificate, you must have an ID card. Other possible procedures include: motor vehicle driving license, bank repayment details, etc.

4. Power of attorney issued by the mortgagee (power of attorney with official seal).

Five, the motor vehicle owner must be present.

After the final car loan is settled, establish contact with the loan bank, apply for loan repayment certificate, and get back the registration certificate of vehicles and motor vehicles pledged to the bank and their car purchase tax bills. Prepare the raw materials you need in the future and go to the local vehicle management office to apply for understanding and go through the formalities.

Second-hand car storage has a great price advantage and attracts a large number of customers. The second-hand car market is becoming more and more popular, but now many cars are basically purchased by installment based on loans. Then can the used car with outstanding car loan be transferred?

The car loan can't be transferred until it is repaid. Generally, in the case of loan, everyone will sign a vehicle mortgage agreement with the loan bank. Therefore, before the car loan is paid off, the right to use the car belongs to the lending bank, so we can't conduct commercial transactions, not to mention the phenomenon of property rights transfer.

Only when the car loan is paid back can everyone get back the motor vehicle registration certificate pledged in the bank and the tax bill for buying a car, and only after the car is released at the vehicle management office can they have the right to control the sale of the car.

After the car loan is paid off, how to transfer the ownership?

After the general car loan is paid off, it is necessary to go through the mortgage cancellation procedures, and the car can be truly transferred to its own name, so that individuals can own the ownership of the car.

After paying off the car loan, the borrower must go to the vehicle management office to cancel the mortgage registration and get back the car property certificate, so that the car really belongs to him.

When handling the mortgage cancellation registration procedures, the following materials must be prepared:

1. Valid identification documents of the borrower, the applicant and the vehicle owner;

2. The loan contract signed with the bank;

3. Loan repayment card;

4. Original motor vehicle registration certificate.

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.

Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Loan interest rate: uniformly stipulated by the People's Bank of China.

Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).

An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.