In the early years, if a 4S store suggested that consumers take out loans to buy cars, I believe most consumers would have strong resistance. With the changes in consumption concepts and the popularization of preferential policies for car loans, more and more consumers are willing to accept car loans as a consumption method with the support of formal manufacturer finance or bank lending institutions.

As for buying a car with a loan, some friends may simply think that buying a car with a loan means paying off the loan on time every month after paying the down payment. These are all correct, but the most important point is that after repaying the loan, you must go to the vehicle management office to release the vehicle registration certificate (green book). None of the above sounds like a problem, but the car owner below is having a lot of headaches.

The 4S store said that the loan release requires the car owner to handle it in person? The car owner is in a different place and it is difficult to move

In order to understand the ins and outs of the matter in more detail, the editor contacted Mr. Qiu by phone . Mr. Qiu said on the phone that when he was working in Dongguan, Guangdong in his early years, he bought a GAC ??Toyota Ralink sedan with a local loan in Dongguan. Later, he returned to his hometown in Wuhan due to a job transfer. After paying off the loan, he wanted to go to the Vehicle Management Office to exchange it. I had a license plate in my hometown, but I was told that I couldn't change the license plate because I lacked the registration certificate.

At this time, Mr. Qiu realized that after applying for a loan to buy a car, he had to release the registration certificate. At the same time, Mr. Qiu also revealed that when he bought the car, the salesperson did not tell him that he would need to release the registration certificate afterwards. Now the 4S store and Toyota Finance have said that he must handle it himself. On the premise that the epidemic has not completely disappeared, it will still take a lot of time and high travel expenses to go to Dongguan to handle the matter, which Mr. Qiu said was unacceptable.

Is it really necessary to be present in person to process a loan release?

As for the issue between Mr. Qiu and the 4S store, there is no conclusion yet, but we can analyze the loan release problem encountered by Mr. Qiu and analyze whether the loan release requires the car owner to handle it in person.

First of all, let’s list the simple steps for normal loan release:

1. After the borrower has paid off the last monthly payment of the car loan, the borrower must bring his ID card and loan contract, go to the lending bank to apply for a loan settlement certificate.

2. The borrower shall prepare the documents required for mortgage cancellation procedures, which generally include: personal identity card, loan settlement certificate, motor vehicle registration certificate, and the motor vehicle that has been subject to mediation, ruling, or judgment by the People’s Court to be released. Mortgage related documents.

3. Then, the borrower takes the required information and goes to the local vehicle management office to handle the mortgage registration and release procedures.

4. After arriving at the vehicle management office, find the corresponding window and go through the relevant procedures under the guidance of the staff.

5. After all procedures are completed, the borrower will get back the relevant title certificate of the car.

The above steps are the normal loan release process and are actually not troublesome. So for car owners who really cannot go to the scene to handle the matter, how should they solve it?

A traffic police officer once mentioned this in a column of China Traffic Television. If the car owner is really unable to go to the scene to handle the matter in person, he can entrust others to handle it. The steps are as follows:

1. Write a power of attorney.

2. Bring the identity cards and copies of the principal and the principal.

3. Provide the following information:

1. Identity certificate and registration certificate of the motor vehicle owner and mortgagee;

2. "Motor Vehicle Mortgage" Registration/Pledge Filing Application Form";

3. If the People's Court mediates, rules, or decides to cancel the mortgage, the owner of the motor vehicle or the mortgagee shall also submit the effective "Mediation Letter" issued by the People's Court ", "Ruling" or "Judgment", and the corresponding "Notice of Assistance in Enforcement"; motor vehicle registration certificate.

Finally: It is recommended that 4S stores provide paid/free assistance to remote car owners in handling loan release services.

So it can be seen that the problem Mr. Qiu encountered in the article can actually be understood as a behavior of 4S stores rejecting car owners out of fear of trouble. However, there are currently no laws and regulations that expressly stipulate that 4S stores need to solve this problem for car owners. .

The problem Mr. Qiu encountered is definitely not an isolated case. Our country is vast and it is very common to buy cars from other places. If you encounter the same problem, can you ask the colleagues in charge of licensing at 4S stores to help car owners handle it in the future?

For car owners who are far away and unable to rush back to the local area to apply for loan release, the two parties have conducted friendly negotiations. Even if they spend three to five hundred yuan in hard work to the agent, I believe the car owner will be happy to accept it. The car owner in the article, Mr. Qiu, is still dealing with the issue of loan release and 4S store. I hope this article can effectively help Mr. Qiu solve the problem of loan release in another place.

This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.