Then you need to bring the loan settlement certificate, vehicle registration certificate and ID card, vehicle driving license, driver's license and other information to the local vehicle management office to understand the charging procedures.
What you need to pay attention to is that some banks (auto consumption finance companies) will directly mail the loan settlement certificate and vehicle registration certificate to after the loan is paid off. You just have to wait patiently and then go to the vehicle management office to cancel the charges.
After the mortgage registration of the vehicle is cancelled, the person who paid the deposit in the 4S shop needs to bring his ID card and car purchase contract to the 4S shop to find the counter staff to get the deposit back.
Also, you need to go to the insurance company to change the first beneficiary of auto insurance from the auto loan handling bank (auto consumption finance company) to yourself.
After all the above procedures are completed, it is really over, and the car is truly your own.
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What materials are needed to lend money after the car loan is paid off?
After paying off the car loan, you need to prepare the following materials.
1, motor vehicle registration certificate.
This kind of certificate, also known as the Green Paper, is generally kept in the hands of lending institutions. Therefore, after the car loan is settled, it is necessary to contact the original agency for car loan and ask it to confirm the loan settlement as soon as possible and get back the motor vehicle registration certificate.
2. Proof of loan settlement.
In some areas, the vehicle management office will require the loan settlement certificate before lending, so after the car loan is settled, you can ask the lending institution to issue a certificate to avoid delaying your later time.
3. Original Application Form for Motor Vehicle Mortgage Registration and Pledge Filing with the official seal of the mortgagee.
4. Identification certificates of motor vehicle owners and mortgagees.
It can be seen that there are many things that need to be prepared for vehicle release, and it may be impossible to handle vehicle release business without one.
In addition, due to some differences in the regulations of vehicle management offices in different regions, before handling the vehicle release business, you can consult first and prepare materials according to the requirements of vehicle management offices.
In addition, in the process of releasing vehicles, you can also notice the following aspects.
1, you can only go to the vehicle management office where the vehicle is registered.
Where the vehicle is registered, it can only be released there, and it cannot be handled in different places.
2. Generally, there will be no other fees for vehicle release.
As long as you bring all the information, the car is free.
3. You can entrust others to cancel the pledge.
If you are in the field or have no time, you can issue a power of attorney, and the client can go through the formalities of vehicle release with relevant information at the vehicle management office. This rule is still more humane.
4. You can only apply for understanding on weekdays.
The vehicle management office is generally closed on weekends and holidays, so pay attention to the time when handling custody procedures.
After the car loan is settled, you need to go through the formalities of car release as soon as possible. If the car is not released in time, there will still be certain property rights risks, which is not conducive to the transfer or mortgage of the car in the future.