The follow-up process of paying off the car loan is as follows:

1, please call the bank to confirm that the loan has been paid off, and then make an appointment to go to the bank to retrieve the relevant information and apply for the car loan settlement certificate. (It usually takes 7- 10 working days).

2. It is very important to go to the vehicle management office above the municipal level to cancel the mortgage registration. Mortgage registration is for banks to prevent you from buying and selling vehicles during the loan process, so your car will be marked as a mortgage car in the vehicle management office system. Only when we have completed the mortgage cancellation registration can we buy and sell vehicles. Then we can get the big green book back.

3. Change the name of the insurance and change the beneficiary of the insurance to yourself. After we change the beneficiary to ourselves, in case of any accident in the future, the compensation amount can only be paid to our account.

4. Remove the gps locator. Before taking out a loan to buy a car, the bank will install gps in your car. Only by tearing it down can you guarantee your privacy.

Do I need to handle it myself after the car loan is paid off?

After the car loan is paid off, the owner needs to go through the formalities of loan settlement and vehicle release. First of all, users need to go to the bank to obtain vehicle registration certificate, bank pig organization code certificate and power of attorney; Then the owner can take three certificates to the local vehicle management office to handle the mortgage cancellation business, and the vehicle is completely owned by the owner himself.

Is there a charge for car loan settlement?

Under normal circumstances, there is no charge for handling car loan settlement procedures. The customer deposits the balance into the repayment bank card. After the system deducts money and settles the loan on the due repayment date, the customer can bring his ID card, car loan contract and other materials to the offline business outlets of the handling bank (auto consumption finance company) to find the staff to handle the loan settlement certificate and get back the vehicle registration certificate. Then the customer can go to the vehicle management office to go through the formalities of knowing the charges, and the vehicle management office does not charge for the formalities of knowing the charges. However, we need to note that some customers are looking for a 4S store to cancel the charges, and they may have to pay a certain service fee.

Second, the car loan has been paid off. What formalities do I need to go through?

First, check whether the owner is himself. If so, that's fine.

You are a loan car. If the car is the name of the creditor or the name of the creditor company, you need to transfer the car to your name.

As long as the ownership of the car is in your name, there is no problem.

3. What procedures do I need to go through after the car loan is paid off?

After paying off the car loan, you need to go through the mortgage cancellation procedures. The specific procedures and required documents are as follows:

1. After the loan is paid off, you need to get the vehicle registration certificate from the bank. Banks need to provide organization code certificate (with official seal) and power of attorney, that is, entrust the owner to carry the registration certificate to handle the mortgage cancellation business (with official seal);

2. The owner shall handle the mortgage cancellation business with the above three materials. After handling, the registration certificate will indicate the cancellation of mortgage in the registration column, the registered bank no longer owns the vehicle, and the vehicle is officially owned by the owner; 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 you. 1, valid identity documents of the borrower, the applicant and the vehicle owner required for mortgage cancellation; 2. The loan contract signed with the bank;

3. Loan repayment card;

4. Original motor vehicle registration certificate.

4. What procedures do I need to go through after the car loan is paid off?

1. Withdraw vehicle registration certificate:

For a car, first go to the bank to get the motor vehicle registration certificate and ask for the loan settlement certificate.

2. Cancellation of automobile mortgage registration:

Get the motor vehicle registration certificate and loan settlement certificate, and go to the vehicle management office to cancel the car mortgage registration.

Beneficiary:

After the car loan is settled, don't forget to change the first beneficiary of insurance to yourself.

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car. According to the economic situation, there are three types of real interest rates of auto loans: direct customer loans, inter-customer loans and credit card car loans. The term of car loan is generally 1-3 years.

The borrower must be a permanent resident of the place where the lender is located and have full capacity for civil conduct. The real interest rate of car loan can rise by about 10% on the basis of the benchmark interest rate or by 10% on the basis of the benchmark interest rate stipulated by the central bank according to the actual situation of customers. Personal loan car purchase business is divided into direct customer, inter-customer and bank car loan according to the letter type of direct customer face-to-face loan, and the intermediate customer type is generally the car loan of the auto finance company that transfers the customer.

For direct customer bank car loan, the fees charged include deposit, principal and interest, and 3% guarantee fee. There will be preferential treatment for high-quality customer fees of banks, but the preferential policies of each bank are different. In addition to the above fees, the inter-customer auto financing company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment loan only provides installment payment for bank credit card users and does not provide any conditions. There are also auditing procedures for letters with bad credit records.

There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years. There are three kinds of car loans, namely bus loans and credit card loans. Direct customer service is generally a bank car loan for customers to meet directly, and indirect customer service is generally a bank car loan for auto finance companies to transfer customers. The fees charged include deposit, principal and interest, 3% guarantee fee, etc. 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, warranty renewal deposits, and one-card installment car loans. It only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure. For credit card users with bad credit records, the loan period (including extension) shall not exceed 3 years, and the dealer shall pay 1 year.