First: after the car loan is paid off, the owner needs to bring his ID card, driver's license and detailed repayment form to the 4s shop to retrieve his motor vehicle registration certificate, car purchase invoice, original car insurance and release contract.

Second: the car owner needs to apply to the loan bank for a loan settlement certificate, and the loan repayment credit card needs to apply for cancellation.

Third: when going to the vehicle management office to cancel the vehicle mortgage, you need to provide your ID card, motor vehicle registration certificate, loan settlement certificate, motor vehicle mortgage change application form, etc. For details, please consult the staff of the vehicle management office.

Fourth: go to the insurance company to change the first beneficiary. Generally speaking, the insurance beneficiaries when buying a car are all lending institutions. Remember to exchange them in time after paying off the loan.

Fifth, remove GPS positioning, some will install GPS positioning system when buying, so it needs to be removed after paying off the loan, but some cars will not install positioning when lending.

To apply for cancellation of 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. If the people's court mediates, makes a judgment or orders to cancel the mortgage, the owner or mortgagee of the motor vehicle shall fill in the application form and submit the motor vehicle registration certificate, the effective mediation, ruling or judgment issued by the people's court, and the corresponding notice of assistance in execution.

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 cancellation of mortgage registration on the motor vehicle registration certificate.

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Second, the mortgage payment process after the car loan is paid off

1. After deducting the last month's mortgage payment, it will take about 10 working days to get your mortgage back at the bank that handles the car installment payment. The bank's credit card car is in stages. It is best to call the bank's customer service phone in advance to ask if it has been completely settled. The customer service phone number can be found on the back of the repayment card. For car loans handled by financial companies, you can call the customer service phone number of the financial company you belong to, or go to the car dealer for consultation;

2. To obtain a motor vehicle registration certificate, you must hold an ID card. Other possible procedures include: motor vehicle driving license, bank repayment details, etc. Where can I get my own motor vehicle registration certificate? Refer to "Where can I get my own motor vehicle registration certificate when the car loan expires";

3. After getting the registration certificate, the next step is to go to the local vehicle management office to handle the vehicle mortgage cancellation procedures. Materials to be brought together include: motor vehicle registration certificate, loan settlement certificate issued by the lending institution, lender organization code certificate, motor vehicle mortgage registration/pledge filing application form, power of attorney, and motor vehicle owner's ID card. The financial institution handling the car loan shall hand it over to the parties when handing over the registration certificate;

4. After going to the lobby of the vehicle management office, you can handle it at the corresponding service window.

legal ground

Article 403 of the Civil Code, if chattel is mortgaged, the mortgage right shall be established when the mortgage contract comes into effect; Without registration, you may not be able to fight well-intentioned third parties.