1. Vehicles that are normally mortgaged and filed with the vehicle management office cannot be transferred. Unless the bank agrees, it can be transferred to your name, but the mortgage will not be lifted. That is to say, even if it is transferred to you, when the car is in loans overdue, the bank still has the priority to be repaid, and you can apply for repayment of the car through judicial procedures. After the vehicle is transferred to you, once a traffic accident happens, you will bear the responsibility as the owner.