You can call the police. However, this situation is a breach of contract and a civil dispute. Generally, the police station does not file a case, but it will mediate. If the mediation is unsuccessful, it is recommended to sue through the court. If a loan contract is signed with the lender when handling the car loan, the car loan company has no right and reason to detain the owner's car book after paying off the car loan and handling the settlement voucher. If the car loan is paid off but the car is not given, you can ask the car loan company for it, or you can get your car book back by appealing.
Relevant regulations:
Article 186 of the Civil Code of People's Republic of China (PRC) stipulates that if one party violates the contract and damages the other party's personal rights and property rights, the injured party has the right to choose to ask him to bear the liability for breach of contract or tort. Articles 1 19-149 of the Civil Procedure Law of People's Republic of China (PRC).
What should I do if I don't get the Green Paper on Car Loan?
The first step is to get back your motor vehicle registration certificate, that is, the Great Green Paper on Vehicles. When buying a car with a loan, it will generally be mortgaged to a bank or financial institution.
After paying off the loan, take your ID card to the bank to get back the copy of vehicle registration certificate, settlement voucher, car purchase invoice and bank organization code certificate. These are all in the bank. As long as you pay off the loan, they will give it to you directly.
The second step is to take these procedures and my ID card driving license to the local vehicle management office to decompress. After decompression, the vehicle management office will print out the mortgage cancellation on this big green paper. At this time, the car really belongs to us.
The third step is to install GPS when buying a car with a loan. You can take it off after paying off the loan, so as not to reveal our personal privacy in the future.
Get the information needed for the Green Paper:
1, the original and photocopy of the motor vehicle owner's identity certificate (the original and photocopy of the organization code of the unit vehicle, and the original and photocopy of the valid residence permit of the temporary population);
2. Mortgagor's identity certificate (official seal required);
3. Power of attorney of the mortgagor (with official seal and cheque stamp);
4. If it is an agent, the original and photocopy of the agent's identity certificate and the power of attorney are also required;
5. Motor vehicle registration certificate;
6. Fill in the Application Form for Motor Vehicle Mortgage Registration and Pledge Filing.
2. Handling process: go to the comprehensive window in the lobby of the vehicle management service center.
Three. Auto loan application conditions:
1. Car buyers must be at least 18 years old and be China citizens with full civil capacity;
2. The car buyer must have a relatively stable job and a relatively stable economic income or assets that can be easily realized in order to repay the loan principal and interest. Assets that are easy to realize here generally refer to securities, gold and silver products, etc.
3. During the loan application period, the car buyer will deposit the down payment of the car purchase lower than that stipulated by the bank into the account of the bank savings counter; 4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan; 5. Car buyers are willing to accept other conditions deemed necessary by the bank.
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.
What should I do if I don't give the green paper after paying off the car loan?
After paying off the car loan, first go through the settlement formalities at the bank that handles the installment payment, and then go to the vehicle management office to cancel the mortgage registration, and you can get the green book. Customers need to take the initiative to contact the handling bank for it. If the formalities are incomplete, just wait patiently. If there is any deliberate delay, the customer can report to the local CBRC. For example, if a car loan company goes bankrupt, customers can go to the public security department to report the case, and then bring the filing certificate to the local vehicle management office to apply for a replacement.
Usually when people buy a car, they say that the Green Paper is the Motor Vehicle Registration Certificate, that is, the household registration book of the car. If it is a vehicle purchased by loan, it is generally necessary to mortgage the motor vehicle registration certificate, which will be kept by the vehicle management office instead of you. At this point, until the loan is paid off, it is not the owner of the vehicle. Vehicle registration certificate is required for vehicle transfer.
For users who borrow money to buy a car, in order to avoid all kinds of troubles, we must pay attention to the following matters when repaying the loan:
1, remember to cancel the bank card. Usually when applying for a loan, I like to apply for a new bank card to get a loan. After the loan is paid off, this new bank card is rarely used. In order to avoid additional expenses or overdue repayment in the future, remember to cancel the unused bank cards in time.
2. Remove the positioning device. Generally, in order to ensure the safety of collateral, cars bought with loans are often equipped with positioning devices. In order to avoid revealing privacy, it can be removed in time.
3. Confirm whether the insurance is under the personal name. Often loan to buy a car, the first beneficiary of vehicle insurance is the bank. Remember to find out who the insurance beneficiary is after the loan is repaid. If it is not a person, remember to change it back.
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