After the car loan is paid off, go to the loan bank to settle the loan. Go to the vehicle management office with your ID card and settlement procedures to learn about the mortgage procedures. After handling, the registration certificate will indicate in the registration column that the mortgaged vehicle is no longer owned by the bank and officially owned by the owner. After the car loan expires, you need to handle the following three things: First, issue a settlement certificate. After the loan expires, the borrower needs to go through the loan settlement procedures at the lending institution with the loan contract. The staff will take back the loan contract on the spot and void it. The borrower requires the staff to issue a loan settlement certificate. The second is to cancel the mortgage registration. The borrower carries the loan settlement certificate, driving license and other materials to the local vehicle management office for mortgage cancellation registration. After completing the relevant formalities, the vehicle management office will return the vehicle registration certificate to the owner. When the third car loan is fully settled, if the first beneficiary of car insurance is still a lending institution, don't forget to change the first beneficiary of insurance to the owner himself.

What procedures do I need to go through after I repay my car loan?

First go to the bank to issue a repayment settlement certificate, and the bank will give you a car register.

2. Bring a copy of your ID card (double-sided! ) go to the vehicle management office to cancel the mortgage and stamp it.

Give the car registration certificate to the owner.

Car loan: refers to the loan granted by the lender to the borrower who applies for buying a car.

Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

What procedures do I need to go through after paying off my car loan?

1. What are the procedures for repaying the loan?

1. After the car loan is paid off, the mortgage cancellation registration is required. The borrower should go to the local vehicle management office to cancel the mortgage registration, and then get back the car property certificate, so that the car will truly belong to the owner. When handling the mortgage cancellation registration procedures, you must prepare the valid identity documents of the borrower, the applicant and the vehicle owner, the loan contract signed with the bank, the loan repayment card, the original motor vehicle registration certificate and other materials.

2. Legal basis: Article 394th of the Civil Code of People's Republic of China (PRC).

In order to ensure the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, the creditor has the right to be compensated in priority for the property.

The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 395

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

2. What are the procedures for buying a car with a loan?

The loan to buy a car needs to go through the following procedures:

1. The buyer needs to provide valid identity documents, and temporary id card can also provide them;

2. If you are married, you need to provide a copy of your marriage certificate and your spouse's ID card;

3, proof of residence, you need to provide proof of residence in the permanent residence, such as the electricity bill for the past 6 months, if you have real estate in the permanent residence, you need to provide real estate license;

4 proof of work and income, and provide proof of income stamped with the official seal of the work unit.

What should I do after the car loan is settled?

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as auto mortgage. After the loan to buy a car, the car is in a state of mortgage, and after the loan is paid off, the car truly belongs to itself.

What should I do after the car loan is settled?

1. Go through the cancellation registration formalities of automobile mortgage.

After the loan is settled, the owner only needs to carry the motor vehicle registration certificate, personal ID card and the loan settlement certificate issued by the lending institution, and go through the mortgage cancellation registration formalities at the local vehicle management office to transfer the vehicle to his own name.

2. Dismantle the GPS positioning system and refund part of the installation fee.

In order to let users experience the "money" business in great strides, under the traditional vehicle mortgage method, the option of increasing mortgage procedures without stopping has become a convenience service that the lending institution has come up with after brainstorming, which has created convenience for car owners to borrow money and use cars correctly. However, in order to switch to the perspective of a loan institution that lacks financial guarantee, you need to install a GPS positioning system in your car to keep up with the driving dynamics of the vehicle. As for the GPS installation fee of about 1000 yuan, the owner needs to pay it himself. Fortunately, from the moment your loan is settled, some institutions will share the cost with you as agreed before and refund you the installation fee around 400 yuan. Of course, in addition to the refund, what you need to do is to let the lending institution dismantle the GPS positioning and let the vehicle fully recover its freedom.

What are the steps to pay off the car loan and cancel the mortgage?

1. After deducting the last month's mortgage payment, you can get the mortgage back from the bank that handles the car installment payment in about 10 working days. For car installment payment by bank credit card, it is best to call the bank customer service phone in advance to find out whether it has been settled in full. 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 or consult the car dealer.

2. To obtain the motor vehicle registration certificate, you must obtain it with your ID card. Other possible procedures include: motor vehicle driver's license, bank repayment details, etc.

After getting the registration certificate, the next step is to cancel the vehicle mortgage at the local vehicle management office. Materials to be carried include: vehicle registration certificate, loan settlement certificate issued by the lending institution, lender's organization code certificate, vehicle mortgage registration/pledge filing application form, power of attorney and owner's ID card. When handing in the registration certificate, these materials will be handed over to us by the financial institution that handles the car loan.

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

What should I do after paying off the car loan?

After paying off the loan, Pacific Auto Network needs to get back the motor vehicle registration certificate and the car purchase invoice, because without these things, it will be impossible to prove the ownership of the vehicle.

After the car loan is paid off, go through the formalities:

1. Get the vehicle registration certificate back. Buying a car by stages means putting the vehicle as collateral in a banking institution to apply for a loan. Therefore, after the car loan is paid off, the first thing to do is to get back your motor vehicle registration certificate and loan settlement certificate from the bank, such as the bank's automobile mortgage contract and automobile mortgage repayment certificate. It is best to call the customer service phone of the bank or institution in advance to ask clearly, so as to avoid a trip in vain.

2. The next step to get the motor vehicle registration certificate and loan settlement certificate is to go to the vehicle management office to get the motor vehicle mortgage cancellation registration, fill out the Application Form for Motor Vehicle Mortgage Cancellation Registration in the corresponding window, and then submit the prepared materials, so that the motor vehicle mortgage cancellation registration can be processed. The registered bank no longer owns the vehicle, but belongs to the owner.

3. The last step is to change the first beneficiary of auto insurance. Previously, limited by the conditions offered by the lending institutions, the first beneficiary of buying auto insurance was sometimes the lending institution, so don't forget to change the first beneficiary of insurance to yourself after you settle all the car loans. You must remember this step, and don't get lost in the procedure of how to apply for a car loan.

(Photo/Text/Photo: Pacific Auto Network Qi Song He)

What procedures do I need to go through after paying off my car loan?

After paying off the loan, you still need to do the following four steps to make the car completely yours.

1. After the car loan is paid off, you should call the bank to confirm that the loan has been paid off, and make an appointment to go to the bank to retrieve relevant information and apply for the car loan settlement certificate.

2. It is very important to cancel the mortgage registration at the DMV. Mortgage registration is to prevent you from buying and selling vehicles during the loan process, so your car will be marked as a mortgage car in the system of the vehicle management office. Only after we cancel the mortgage registration can we buy or sell the vehicle. 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.

The introduction of how to deal with car loans and car loans ends here. I wonder if you found the information you need from it?