If the car has been transferred, that is, in my name, it can be used as collateral, but it is unknown whether the bank will mortgage the car, and even if it can, there will be restrictions on the value of the car. For example, there may be more than 300,000 cars in soft regulations.

Provisions on motor vehicle registration:

Article 23 To apply for 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;

(three) the main contract and mortgage contract concluded by the motor vehicle owner and the mortgagee according to law.

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 mortgage registration on the motor vehicle registration certificate.

Extended data:

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.

The information and procedures required for deregistration are the same as those for registration.

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