Legal analysis: it is impossible to transfer ownership, because before the loan is paid off, the vehicle has been mortgaged to the bank or the ownership belongs to the seller, and the individual has no right to conduct any transaction. If you want to trade, you must repay the loan first. At this point, the buyer has obtained the ownership of the vehicle and can trade.

Legal basis: Article 19 of the Motor Vehicle Registration Regulations applies for transfer registration, and the current motor vehicle owner shall fill in the application form, submit the motor vehicle for inspection, and submit the following certificates and vouchers:

(a) the identity certificate of the current motor vehicle owner;

(2) Certificates and vouchers of the transfer of ownership of motor vehicles;

(3) Motor vehicle registration certificate;

(4) Motor vehicle driving license;

(five) the customs supervision of motor vehicles shall also submit the "Certificate of Deregulation of Vehicles under Customs Supervision in People's Republic of China (PRC)" or the transfer certificate approved by the customs;

(six) motor vehicles that have exceeded the validity period of the inspection shall also submit the certificate of motor vehicle safety and technical inspection and the compulsory insurance certificate for traffic accident liability. If the current motor vehicle owner lives in the jurisdiction of the vehicle management office, the vehicle management office shall, within one day from the date of accepting the application, confirm the motor vehicle, check the rubbing film of the vehicle identification code, review the submitted documents and vouchers, recover the license plate and driving license, determine the new motor vehicle license plate number, endorse the transfer matters on the motor vehicle registration certificate, and reissue the license plate, driving license and inspection mark. If the domicile of the motor vehicle owner is not within the jurisdiction of the vehicle management office, it shall be handled by the vehicle management office in accordance with the provisions of Article 13 of these Provisions.