1, get the car registration certificate; 2. Go through the formalities of understanding the charges; 3. Change the beneficiary of auto insurance.

Lenders can go to the local vehicle management office with ID card, car registration certificate, loan settlement certificate and other materials, explain to the staff that they want to cancel the car mortgage registration, and then fill out the Application Form for Motor Vehicle Mortgage Change as required, and then cancel it after approval.

What if the staging car is finished?

First, what should I do if I buy a car by installment? After deducting the last month's mortgage payment, you can get your mortgage back from the bank that handles the installment payment in about 10 working days. 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 your financial company or go to the car dealer for consultation. 2. When the owner of a motor vehicle goes to the vehicle management office for mortgage cancellation registration, he/she needs to submit the following procedures, and the motor vehicle does not need to be present: 1. Original application form for motor vehicle mortgage registration/pledge filing. The original is stamped with the official seal of the mortgagee. 2. Identification certificates of motor vehicle owners and mortgagees. If the owner of the motor vehicle is an individual, the original and photocopy of the resident identity card or temporary resident identity card shall be provided, and the temporary resident shall also submit the original and photocopy of the residence certificate issued by the public security organ. 3. Motor vehicle registration certificate. To get a motor vehicle registration certificate, you must have an ID card. Other possible procedures include: motor vehicle driving license, bank repayment details, etc. 4. Power of attorney issued by the mortgagee (power of attorney with official seal). 5. The owner of the motor vehicle must be present. CCB applies for car installment loans, provided that you have a CCB credit card. If you don't, you must apply for one first, either in a branch or directly on the CCB website. The basic process of application is as follows: ① The customer first selects the car at the dealer, tests it, and negotiates with the dealer to determine the purchase price; (2) Show your credit card and ID card, and fill in the installment payment application form; (3) Distributor submits customer application materials to CCB; (4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities; ⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car; ⑥ Repay by monthly installments through Longka credit card. According to the above, we can know. What if the staging car is finished? After the installment car is returned, we can contact the bank to see if it has been paid off before we can get our mortgage back. Therefore, before buying a car, you must understand these regulations and be familiar with relevant policies to avoid unnecessary troubles.

What is the procedure after returning the car in installments?

The procedures to be completed after car staging are: 1. Consult the repayment situation and confirm whether it has been paid off in full. If the last batch of loans is paid off, you can go to the bank to buy a car by installment after 10 working days. 2. I hold my ID card, motor vehicle driving license and repayment details to receive the registration certificate of the car. 3. Go to the local vehicle management office for decompression procedures. Materials to be carried include motor vehicle registration certificate, loan repayment certificate issued by the lending institution, lender organization code, motor vehicle mortgage change application form, power of attorney, and motor vehicle owner's ID card. 4. Change auto insurance to the first beneficiary. Under normal circumstances, the first beneficiary of buying auto insurance is the lending institution. When the car loan is paid off, don't forget to change the first beneficiary of the insurance to yourself.

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)

Do I need to go through any formalities after the car installment is paid off?

1. Go to the bank to handle the mortgage formalities in time after repaying the loan. This program can prove that the loan has been paid off in full. If you forget to pay the fee, the bank won't give you this certificate.

2. Go to the vehicle management department to get the Green Paper-motor vehicle registration certificate. It's like an ID card. Remember to put it in the car when driving in the future, which can save some trouble.

3. When you go to the vehicle management department, remember to apply to the vehicle management department to cancel the vehicle mortgage relationship, so that this car can become your own asset and no longer have anything to do with the bank. Although the vehicle already belongs to you personally, there is one last step.

This is also the most important point. After paying off the car loan, go to the insurance company to inquire about the beneficiary of the car insurance. Loan to buy a car, sometimes the insurance beneficiary will be the bank. If you don't change it back, you will definitely have a headache. These are the four points that should be paid attention to after the car loan is paid off. These four steps are indispensable, otherwise the car won't belong to you.

Extended data:

First, the car loan process:

1, choose the right model and determine the price.

Consumers first go to car dealers to choose their favorite models and determine the car price with dealers. According to the regulations of the People's Bank of China, the car loan is only for the car price, excluding various taxes and insurance premiums. But in fact, all banks have relaxed.

Under normal circumstances, if consumers choose a vehicle price tax loan, the related expenses involved will be relatively more, and the repayment per installment will be relatively higher.

2. Determine the loan type.

The main types of auto loans in the market are bank auto loans, credit card installment loans and auto finance company loans.

Bank car loan has the advantages of large loan amount, long loan time and no automobile brand requirements, but the procedures are complicated and usually require higher fixed or cash assets of the lender.

If it is a non-bank quality customer, it is necessary to find a guarantee company to guarantee and improve the approval rate.

The advantages of credit card installment are fast approval and relatively simple procedures, and there is no need to provide real estate guarantee, as long as the buyer has a legitimate occupation and enough fixed income. However, customers who choose credit card installment need to buy a car at a brand dealer designated by the bank, mortgage the car, and purchase designated auto insurance according to regulations. The first beneficiary of insurance needs to be the bank or himself.

Auto financing companies only need consumers to have a fixed occupation and residence, stable income and repayment ability, good personal credit, no guarantee and no excessive household registration restrictions. However, it can only provide loans to its models, and the choice is relatively narrow. It also needs to mortgage the vehicle to the financial company and purchase the specified insurance. The first beneficiary of insurance needs to be an auto financing company.

3. Submission of materials.

When consumers apply for a car loan from a bank or an auto financing company to buy a car, they need to submit information to the bank or auto financing company, including a car purchase intention contract (car booking contract), a loan application form, identification certificate (ID card and household registration book of themselves and their spouses), income certificate, real estate license, marriage certificate and related materials to provide guarantee.

Consumers who apply for credit card installment payment need to show their ID card, credit card, work certificate or property certificate to the dealer and fill in the application form for automobile installment business.

4. Conduct pre-loan investigation and approval.

Banks and auto financing companies will investigate the credit status of consumers after accepting loan applications. Examine and approve consumers who meet the loan conditions, and notify consumers to sign loan contracts, guarantee contracts, mortgage contracts, etc. And go through the mortgage registration and insurance procedures, and pay the down payment by cash or debit card.

Consumers who apply for bank car loans need to pay the down payment before signing the car purchase contract and submit the down payment certificate to the bank.

5. issue loans.

After the application contract comes into effect, the bank will directly transfer the loan to the car dealer's account.

6. Go through the formalities of picking up the car.

Consumers should go through the formalities of car pick-up with the car pick-up slip issued by the bank and give the car a license. After handling the licensing, consumers need to hand over the motor vehicle registration certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license, ID card and household registration book.

7. After picking up the car, the consumer repays on time.

Consumers should pay attention to the repayment time every month. If they don't repay after the time, there will be a high late fee.

Second, the car loan matters needing attention.

1. Consumers who plan to choose auto loans should act according to their own income. The average family's monthly income can be at least twice the monthly payment, so as not to cause family burden.

2. The mortgage company should choose a guarantee company with strength and good reputation. When signing a contract, you should read the terms clearly to prevent the overlord clause.

3, a car can only be mortgaged once, and the car is mainly wary of the second mortgage of the vehicle, which leads to loan fraud.

4. When auto financing institutions publicize, they often publicize "how much is the monthly and daily supply". Car owners should measure interest rates and handling fees when choosing, rather than monthly and daily supply quotas.

5. Before the mortgage loan is made, it is necessary to terminate the agreement through consultation to prevent it from being triggered by the bank's failure to make up the loan.