You need to bring your driving license to the vehicle management office where the vehicle is located to check the condition of the vehicle. You can also check the status of motor vehicles through the website of the local traffic police detachment and provide the frame number and engine number. If the car dealer provides the registration certificate and transfers the ownership to you, there is no mortgage loan, because the mortgage cannot be transferred. Article 7 of the Regulations on Motor Vehicle Registration

How to treat the mortgage status of vehicles

Automobile mortgage is a mortgaged car. According to the information of the vehicle management office, automobile mortgage means that the automobile is in a mortgaged state, and the mortgaged automobile property rights are mortgaged to the bank. Before the loan is paid off, the car buyer has only the right to use it. After the loan is paid off, it belongs to the car buyer.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. The purpose of a loan secured by a car is mainly to be quick. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 50-80%. )

Article 22 of the Regulations on Motor Vehicle Registration clearly stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply to the vehicle management office at the place of registration for mortgage registration.

Hold the motor vehicle registration certificate, the identity certificate of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, and affix the official seal of the unit to the relevant window for handling.

Baidu Encyclopedia _ Automobile Mortgage

How to inquire whether the vehicle is mortgaged in different places?

If it is in a different place, there are three ways to inquire about the vehicle mortgage: rn 1, directly ask the owner, who knows best whether the vehicle is mortgaged; Rn2。 Inquire at the vehicle management office through the relevant staff. Because once the vehicle is mortgaged, it must be registered with the vehicle management office before the mortgage can take effect, which is the most direct, reliable and authoritative way; Rn3。 Inquiring through bank credit information requires the authorization of the owner, which is more troublesome than the first two methods. If you have enough financial and material resources, you can take this method. Rn For more information about how to check whether the vehicle is mortgaged in different places, please visit: See More.

How to inquire about auto loans?

Car loan inquiry method:

1, through the lending institution, directly go to the lending company or bank to inquire about the relevant information of car loan, and generally need to bring the loan contract and my ID card.

2. Inquire through the telephone of the lending institution, directly dial the telephone of the lending institution, and complete the operation according to the voice prompt, so as to inquire about the relevant information of the car loan.

3. If the car loan is handled through a bank, you can also check the relevant information through online banking and mobile banking APP.

There are several ways to get a car loan:

Traditional bank loans, credit card loans, automobile manufacturer financing company loans, and internet financial loans. Traditional bank loan is the most traditional way of automobile loan, with low interest rate, complicated examination and approval procedures and high requirements for the qualifications of lenders.

Credit card loans do not need a mortgage car, which is relatively convenient.

The finance company of the automobile manufacturer lends money to customers. Compared with traditional bank loans, the interest rate is slightly higher, but the approval speed is fast and the qualification requirements for lenders are not high.

In addition, automobile brand financing companies will carry out some activities from time to time, and issue loans after discount, and the interest rate will even be lower than that of traditional banks.

Internet finance is one of the most popular loan methods in recent years. Compared with other channels, their process is the simplest and the approval speed is the fastest. However, their disadvantage is also obvious, that is, high interest rates.

How to check whether the vehicle is mortgaged? Must the green book be issued within 60 days?

After applying for a car loan, users need to go to the vehicle management office to register. Before the mortgage formalities, the borrower's car belongs to the mortgage state. If some users want to buy a used car, they need to pay attention to whether the vehicle is a mortgaged vehicle. How to check whether the vehicle is mortgaged? Must the green book be issued within 60 days?

How to check whether the vehicle is mortgaged?

There are actually three ways to find out if a car is mortgaged.

1, vehicle management office inquiry: users can carry vehicle information and then go to the local vehicle management office to inquire, and if it is mortgaged or preserved, they can find it.

2. Traffic in official website: You can check the vehicle status through the website of the local traffic police detachment, and you can also check the vehicle frame number and engine number.

3. Transfer inquiry: If the vehicle purchased by the user can be transferred, it is basically not mortgaged. Because according to the regulations, it is impossible to transfer the mortgaged vehicle.

It should be noted that if the vehicle is really mortgaged or preserved, and the seller did not explain the situation when buying the car, the contract can be revoked on the grounds of fraud, and criminal responsibility can be investigated if the circumstances are serious.

Must the green book be issued within 60 days?

The Green Paper refers to the motor vehicle registration certificate. If a car has a car loan, the certificate will generally be mortgaged to the institution that provides the loan. Generally, it takes 10 days to publish the Green Paper. You can get the green paper back after the car loan is paid off. Because there is no time for the release of the car, you can get the green paper back when it is completed.

The above is the related content sharing of "How to inquire whether the vehicle is mortgaged", and I hope it will help everyone!

How to check whether the vehicle is mortgaged?

There are three ways to check whether the vehicle has been mortgaged:

1. Check with the vehicle management office. When buying a vehicle, you have a motor vehicle registration certificate. You can check the status on the motor vehicle registration certificate to see if there is a mortgage. The vehicle management department inquired that it must be the owner. If it is a used car, you must ask the owner, otherwise the vehicle management department will not check it for you.

Check with the insurance company. The status of cars is different, and the beneficiaries of auto insurance are different. If it is a mortgage loan, the beneficiary is the bank.

3. Ask the traffic police department. You can find acquaintances to go to the traffic police department to inquire about the status of buying vehicles through the network. If "Mortgaged" is displayed, the vehicle is mortgaged. If "Normal" is displayed, it is not a mortgaged vehicle.

Extended data:

Repayment method:

I. Repaying principal and interest

First calculate the interest generated by the monthly loan balance, and subtract the interest payable from the equal repayment amount to form the repayment principal of the current month. At the initial stage of repayment, due to the large loan balance.

Monthly repayment interest accounts for a relatively large proportion, and the repayment speed of principal is relatively slow. With the passage of time, the loan balance gradually decreased, the proportion of interest gradually decreased, and the proportion of principal gradually increased. This repayment method is more suitable for people with fixed year-end bonus or fixed annual income.

Second, the principal repayment.

The average score of car loan refers to the average repayment method chosen by the borrower after the car loan. During the repayment period, the total loan amount is divided into equal parts, and the same amount of principal and interest generated by the remaining loan in the month are repaid every month, so that the monthly repayment amount is fixed and the interest is less and less.

At the beginning, the lender was under great pressure to repay, but as time went on, the monthly repayment amount became less and less. Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.