How long will it take to cancel the mortgage after paying off the car loan?
After repaying the car loan, the applicant shall complete the mortgage cancellation procedures within one day after submitting the application for mortgage cancellation registration. After paying off the car loan, you must first make an appointment with the bank to obtain relevant information, and the bank will issue a car loan settlement certificate; Then, after getting the certificate, the owner can go to the vehicle management office where the vehicle belongs to handle the mortgage cancellation procedures, which takes about one day.
Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal paid by the bank to consumers, that is, borrowers, for purchasing self-use cars (non-profit family cars or commercial cars with 7 seats or less).
There are three kinds of auto loans: direct customers, indirect customers and credit card auto loans. Direct customer type generally refers to direct face-to-face loans from bank car loans to customers, and indirect customer type generally refers to car loans from auto finance companies to a customer. The fees charged by the bank for direct car loan include deposit, principal and interest, and 3% guarantee fee. Moreover, there will be discounts on the handling fees of quality customers, but the preferential policies of different banks are different. In addition to the above fees, private auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits. Another car loan is a credit card. Credit card car installment loan only provides installment payment to bank credit card users, which can be handled under any circumstances, but it also needs to go through the audit procedure, so it is difficult for credit card users with bad credit records to handle it.
After paying off the car loan, I will go to the vehicle management office to "release the mortgage"
I have paid off the loan for buying a car. Excuse me, where can I go through the "cancellation of mortgage" procedure? The answer is that the owner can go to the local vehicle management office to go through the "release" procedure.
12, Mr. Li called the hotline to report that he had bought his car for three years and had just repaid the loan yesterday. Now the car is his own, but it is still mortgaged. "I have been driving for three years, and I always feel that it is not my own. Now I want to get a name quickly, but I don't know where to check the charging procedures. " Mr. Li said that after the vehicle management office moved to the local area, it was afraid to run more and say hello in advance. 12 in the afternoon, the staff of the vehicle management office said that the car mainly went to the local vehicle management office to cancel the mortgage. "After the loan is paid off, go to the bank to get the vehicle registration certificate. Banks need to provide organization code certificate (official seal) and power of attorney. Power of attorney entrusts the owner to carry the registration certificate to handle the mortgage cancellation business (with official seal). The owner shall handle the mortgage cancellation business with the above three materials. After the cancellation, the registration certificate will indicate' mortgage cancellation' in the registration column, the registered bank no longer owns the vehicle, and the vehicle is officially owned by the owner. "
The staff of the vehicle management office said that there are currently more than 330,000 private cars in the local area, including more than 20,000 mortgaged private cars, accounting for about 8. 13% of the total number of private cars. The staff said that the vehicle management office is only responsible for the "release management" procedures, and the public must ensure that all loans are paid off before they can be processed. How long will it take to cancel the mortgage after paying off the car loan? After paying off the car loan, the vehicle management office will "release the mortgage" @20 19.