1. Generally speaking, if the user's loan has been paid off, you can go to the vehicle management office to learn about the mortgage procedures, bring relevant information, such as ID card, driving license and proof of settlement, and then go to the vehicle management office to get the number and register as required. 2. The reason why the financial company deliberately refuses to cooperate may be that it wants to charge another fee, such as the mortgage cancellation fee. It is suggested that users can negotiate clearly first, or handle complaints directly.

I paid off my car loan and forgot to decompress it for 6 years.

There is no decompression deadline. You can go to the loan company to actually understand the specific situation, the required procedures and so on. Specific decompression process: go to the lending institution to pay off the car loan and get the relevant documents. Then take the owner's ID card, repayment details and other information to the vehicle management office to cancel the mortgage status of the car.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

Loan term:

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

Type of automobile loan:

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

The car loan has been paid off. How do I decompress?

After the car loan is paid off, the customer can directly go to the counter of the off-line business outlet of the handling bank (auto consumption finance company) to find the staff to apply for the Green Paper (vehicle registration certificate), which will generally be placed in the bank (auto consumption finance company) where the customer applies for the loan.

However, some auto consumer finance companies will mail the vehicle registration certificate directly to the customer after the customer pays off the car loan, and the customer does not need to go to the outlet to handle it. Customers just need to wait patiently.

After getting back the vehicle registration certificate, the customer can go to the local vehicle management office with the vehicle registration certificate and the loan settlement certificate issued by the bank (auto consumption finance company), as well as personal ID card, vehicle driving license, driver's license and other materials to understand the charging procedures.

Note: If the car is purchased in a 4S shop with car release service, the auto consumption finance company may send the vehicle registration certificate to the 4S shop after the customer settles the car loan, and the 4S shop will return the vehicle registration certificate to the customer after the staff of the 4S shop helps the customer to release the car.

Extended data:

Mortgage loan issuance process:

1. The borrower needs to go to the loan bank to handle the loan settlement certificate and get the property ownership certificate. The loan bank will affix its official seal and indicate: the mortgage has been paid off and it is agreed to cancel the mortgage;

2. The real estate owner needs to go through the mortgage cancellation registration procedures with the original real estate license, other warrants and ID cards, stamp the property certificate and indicate the cancellation date;

3. If the borrower handles the mortgage lender-to-revolving account before handling the loan and finds a guarantee company as a guarantee, then after the mortgage is paid off, it is necessary to handle the guarantee procedures and return the corresponding guarantee deposit.

Automobile loan granting process:

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

2. Go through the settlement procedures and obtain the motor vehicle registration certificate;

3. To apply for cancellation of mortgage registration at the vehicle management office, the identity certificate and photocopy of the motor vehicle owner and mortgagee, the repayment certificate issued by the bank or guarantee company and the motor vehicle registration certificate shall be provided.

It is worth noting that after the mortgage and car loan are paid off, if the mortgage formalities are not handled, then the house and car do not belong to the borrower, but they still belong to the lending institution.

What information do I need to carry when I go to the bank to decompress my mortgage?

After paying off the mortgage, the customer should first bring his personal ID card, repayment bank card and purchase contract to the counter of the business outlet of the loan handling bank to find the staff to issue the loan settlement certificate and get back other warrants.

Then the customer needs to bring the loan settlement certificate, other warrants, personal ID card, house title certificate and other materials to the local housing authority to understand the mortgage procedures and cancel the house mortgage registration (please call customer service first for details).

It should also be noted that if you don't have time to go through the formalities of understanding the pledge, you can find someone to handle it on your behalf, but the client needs to bring his ID card and the power of attorney issued by the notary office in addition to the above information.

After the house is released, it belongs entirely to the customer himself. If the car loan is released, the steps are similar. First, bring your ID card, car purchase contract and repayment bank card to the bank or auto financing consumer company to issue a loan settlement certificate and get back the vehicle registration certificate. Then bring the vehicle registration certificate and loan settlement certificate, as well as personal ID card and vehicle driving license to the local vehicle management office for release.