Auto loan decompression process:

1. Contact the bank, auto financing company or guarantee company that handles the loan.

You should first find your own written mortgage contract, check the contact numbers of banks, auto financing companies or guarantee companies on the contract and get in touch with them.

Second, apply for a certificate.

Generally, the loan will be sent to the 4s store within 10 working days after the loan is completed, and the borrower will be notified. After the mail arrives, the borrower can go through the relevant formalities with his ID card. However, it is a bank loan, and the vehicle loan settlement procedures are handled, and the bank loans through the guarantee company.

3. Go to the vehicle management office to apply for cancellation of mortgage registration. Motor vehicle owners can apply to the vehicle management office for cancellation of vehicle loan mortgage registration with the above procedures.

The owner of a motor vehicle shall fill in an application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following certificates.

1, motor vehicle owner's certificate and copy; If the motor vehicle owner is not registered in Chengdu, a residence permit is also required;

2. The repayment certificate issued by the bank or guarantee company;

3. Motor vehicle registration certificate.

Second, what should I do if the car loan is finished? Only after these formalities are completed can I really calculate my car.

After automobile mortgage pays off, the main procedure to be handled is to cancel the car mortgage registration at the local vehicle management office. Before canceling the automobile mortgage registration, the applicant needs to prepare relevant materials, such as the applicant's ID card, automobile driving license, registration certificate, bank automobile mortgage contract and automobile mortgage repayment certificate (issued by the bank).

After preparing these materials, you can go to the vehicle management office to cancel the car mortgage registration. Fill in the Application Form for Motor Vehicle Mortgage/Mortgage Cancellation at the local vehicle management office, and then submit the prepared materials to cancel the vehicle mortgage registration.

Bian Xiao reminded everyone that many people think that after paying off automobile mortgage, the car will be their own. In fact, as long as the car mortgage registration is not lifted, the car is not its own. Anyone who wants to sell a car or apply for a loan with a car will be banned. Therefore, after automobile mortgage pays off, I suggest you cancel the car mortgage registration in time.

Third, what should I do if the car loan is paid back?

1. What procedures do I need to go through after the car loan is paid off? 1. After the car loan is paid off, the mortgage cancellation registration is required. The borrower should go to the local vehicle management office to cancel the mortgage registration, and then get back the car property certificate, so that the car will truly belong to the owner. When handling the mortgage cancellation registration procedures, you must prepare the valid identity documents of the borrower, the applicant and the vehicle owner, the loan contract signed with the bank, the loan repayment card, the original motor vehicle registration certificate and other materials. 2. Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be compensated in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property. Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together. 2. What are the procedures for buying a car with a loan? You need to go through the following procedures to get a car loan: 1. Buyers need to provide valid identity documents, and temporary id card can also provide them; 2. If you are married, you need to provide a copy of your marriage certificate and your spouse's ID card; 3, proof of residence, you need to provide proof of residence in the permanent residence, such as the electricity bill for the past 6 months, if you have real estate in the permanent residence, you need to provide real estate license; 4 proof of work and income, and provide proof of income stamped with the official seal of the work unit.