For vehicles that cannot be transferred immediately, take the following steps to handle the vehicle transfer procedures by stages:
1, one-time installment.
2. Let the installment bank (or loan company) take your certificate to the vehicle management office to cancel the mortgage.
3. Get the Vehicle Property Registration Certificate (the property right of the loan vehicle is generally in the bank).
Generally, the transfer can be made in about two days.
Legal basis: Article 406 of the Civil Code. During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.