1. Prepare the materials needed for car release, such as the original and photocopy of the mortgagor's ID card, the application form for motor vehicle mortgage registration/pledge, motor vehicle registration certificate, etc.

2. Take the prepared materials to the vehicle management office for understanding;

You can get the green paper back after the formalities are completed.

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There are several channels for car loans:

1, bank loan

Choose a bank loan to buy a car, the loan interest rate is moderate, and there are many kinds of cars to choose from. However, in the process of handling loans, it actually takes time and energy. In order to control risks, banks usually spend a long time reviewing and require applicants to submit a lot of information. If you want to apply and are not afraid of trouble, bank loans are a good choice;

2. credit card installment payment

As we all know, credit cards don't charge interest by installment, which is also the biggest advantage of buying a car by installment. At the same time, credit card installment is convenient and quick, and it can be done with one phone call. Sometimes banks can enjoy certain discounts when they cooperate with car dealership companies. However, it should be noted that although credit card installment does not charge interest, there is a handling fee. The higher the staging time, the higher the handling fee rate. Usually, the handling fee rate for more than one year will be the same as or slightly higher than the bank's consumer loan interest rate for the same period.

3. Auto Finance Company

Buying a car with a loan from an auto financing company is not only convenient and fast, but also has a low application threshold. As long as consumers have a certain repayment ability and pay the down payment, they can apply for a loan. However, consumers also need to pay attention to the fact that the loan cost for auto financing companies to buy cars is usually relatively high. Generally, in addition to paying the loan interest fee, there are a series of fees such as handling fees.

Car loan refers to the loan issued 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.

Type of automobile loan

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.