How to get a green book when a car loan expires

1. The car owner needs to go to the loan bank to apply for a settlement certificate;

2. The car owner needs to bring his or her Go to the 4S store with valid ID, driver's license and related materials to get the green book;

3. The car owner also needs to go to the vehicle administration office to release the vehicle from being mortgaged;

4. The car owner You need to go to the insurance company to change the first beneficiary of the insurance.

The above is how to get the green book after paying off the car loan.

What is a car loan?

In real life, a car loan means that a lender lends funds to a bank's financial institution for the purchase of a motor vehicle. Generally speaking, a car loan is a type of mortgage loan. The car owner needs to mortgage the vehicle to the bank to obtain the corresponding loan funds. Car loans can also be called consumer car loans, which are consumer loans issued by banks to borrowers who need to purchase cars for their own use. The term of a car loan is usually 1 to 3 years, and the longest cannot exceed 5 years. Auto consumer loan recipients need to be permanent residents of the location, have full civil capacity, and be able to repay the relevant loans.

How to get a car mortgage loan? What to do after the car loan expires

In recent years, more and more people have begun to pay attention to car mortgage loans, because this loan method is very important for It is undoubtedly a good choice for some car owners with tight finances. So, what about a car mortgage? What to do after the car loan expires?

How to get a car mortgage loan?

First of all, car mortgage loans are divided into pledged cars and non- pledged cars. A pledged car means that the car is placed at a specific location of the lending company, and is monitored by dedicated personnel 24 hours a day, and can be taken and returned at any time. Instead of escorting the car, just install a GPS on the car and you can drive the car and use it normally. The general process for applying for a car mortgage loan is as follows:

(1) The customer provides the materials for the vehicle to be mortgaged.

(2) The borrower’s evaluator will evaluate the vehicle to be mortgaged.

(3) The borrower and the lender negotiate the value of the mortgaged vehicle.

(4) The borrower and the lender sign a vehicle mortgage contract and have it notarized at the same time.

(5) The borrower and the lender go to the vehicle management office to register the mortgage and apply for relevant certificates.

(6) The lender will drive the vehicle to the parking lot designated by the borrower, hand over all the car keys to the company for safekeeping, and the borrower will issue a receipt list and pay the mortgage amount at the same time.

(7) After the mortgage period expires, the lender will go through the mortgage cancellation procedures with the borrower, repay the entire loan, cooperate with the borrower's vehicle management office to handle the mortgage registration and cancellation procedures, and collect the car keys.

(8) After the loan expires, the mortgage will be released.

The above is the general process for applying for a car mortgage loan.

In addition, what to do after the car loan expires?

The process of releasing the mortgage after the car loan expires is as follows:

(1) The borrower goes through the loan settlement procedures at the lending institution, and then brings the loan settlement certificate and his or her valid ID card Wait for the information and go to the local vehicle management office.

(2) Collect the application form at the vehicle management office and fill in the application form for vehicle mortgage release as required.

(3) Then submit the application form and relevant information required for mortgage release at the corresponding window, and receive the "Motor Vehicle Registration Business Acceptance Certificate".

(4) Hold the "Motor Vehicle Registration Business Acceptance Certificate" to receive the "Motor Vehicle Registration Certificate" at the designated window.

How to get a car mortgage loan? What to do after the car loan expires? Regarding how to apply for a car mortgage loan and how to deal with the later stages of the car loan, the above content has been introduced and explained. I hope it will be helpful to everyone.

What to do after the car loan expires

After the car loan is repaid when it is due, go to the lending bank to handle the loan settlement procedures, and bring your ID card and settlement procedures to the vehicle management office. Release procedures. After processing, the registration certificate will indicate in the registration column that the mortgage has been released, and the vehicle is no longer owned by the bank, but officially belongs to the owner.

After the loan to buy a car expires, you need to do the following three things: First, issue a settlement certificate. After the loan to buy a car expires, the borrower needs to take the loan contract to the lending institution to handle the loan settlement procedures. The staff will take back the loan contract and invalidate it on the spot. The borrower requires the staff to issue a loan settlement certificate.

Second, cancel the mortgage registration. The borrower brings the loan settlement certificate, driving license and other information to the local vehicle management office to go through the mortgage cancellation registration procedures. After completing the relevant procedures, the vehicle management office will return the vehicle registration certificate to the car owner.

Third, after the car purchase loan is fully settled, if the first beneficiary of the purchased car insurance is still the lending institution, do not forget to change the first beneficiary of the insurance to the car owner himself. (Pictures/texts/photographs: Wu Binbin) @2019

What procedures need to be completed after the car loan expires?

After the car loan expires, you need to go to the lending institution to handle the mortgage release procedures. After completing the mortgage release, you should go to the vehicle management office with the loan repayment certificate and other procedures. The motor vehicle registration certificate can be retrieved after submitting the procedures to the vehicle management office. In addition, the beneficiary of the car insurance should also be changed.

1. Cancellation of mortgage: When applying for a car loan, the vehicle registration certificate of the car is mortgaged with the bank. After the loan is paid off and the mortgage is cancelled, the car can be owned by the owner. The car owner needs to prepare the original ID card, loan contract, loan repayment bank card, and original motor vehicle registration certificate. Then bring the relevant materials to the vehicle management office to go through the mortgage cancellation registration procedures. After successful application, you can get back the car title certificate.

2. Change the beneficiary of auto insurance: When applying for auto insurance, the beneficiary is usually the lending institution. Therefore, after the car loan is paid off, the beneficiary of the car insurance needs to be changed to the car owner himself.

Car loan types:

Personal loan car purchase business is divided into direct customer loans, inter-customer loans and credit car loans. The direct customer type is generally a bank car loan where the customer meets directly for the loan, while the inter-customer type is generally a car finance company's car loan that is transferred from the car finance company to the customer.

For direct customer bank car loans, the fees charged include deposits, principal and interest, 3 guarantee fees, etc. The fees for high-quality bank customers will be discounted, but each bank has different preferential policies. In addition to paying the above fees, cross-client car finance companies also need to bear regulatory fees, fleet management fees and warranty renewal deposits, as well as credit card car loans. Credit card installment car loans only provide installment payments to bank credit card users without providing any conditions. There is also an audit process, which is difficult for credit card users with poor credit histories.

The specific steps for credit card installment purchase are as follows:

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

2. The cardholder goes to the dealer with his or her ID card to fill out the car purchase installment payment form and submits it to the bank's backend for review.

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

4. After the vehicle license plate is installed, the cardholder needs to go to the bank to handle mortgage procedures and purchase the required vehicle insurance.

5. Finally, you can drive away smoothly.

How to get back the green copy when the car loan expires

After the vehicle loan is repaid, the customer can contact the original lending institution as soon as possible to get back the green copy. , if the customer has time, he or she can go to the lending institution to retrieve the green copy. If he cannot spare the time, he or she can also ask the lending institution to mail the green copy.

After getting the green book back, the customer needs to go to the vehicle management office as soon as possible to handle the vehicle release procedures. When handling this business, you need to pay attention to the following points:

1. Only You can go to the vehicle management office where the vehicle is registered to release it.

2. Deposits can only be processed on working days.

3. There is no charge for vehicle release.

4. You can entrust others to handle the mortgage business.

5. You need to bring all relevant documents and documents.

6. No release fees will be incurred.

It can be seen that even if the customer does not have time himself or is out of town, he can still entrust others to handle the deposit business. These regulations are still relatively user-friendly.

If the customer does not release the vehicle, although it will not affect the customer's daily use of the car for the time being, there will be property rights risks, and they will encounter trouble when handling the vehicle transfer or mortgage loan in the future.

What to do after the car loan expires

What to do after the car loan expires? When many people buy a car, they choose to borrow money to buy a car, which has become a convenient option. After paying off the loan, many people feel relaxed and everything is fine. But what happens when the car loan is paid off? This is the origin.

What should I do after my car loan expires?

First of all, after the loan is repaid, the borrower needs to bring his personal identity certificate and relevant loan contract to the lending institution to apply for the "Loan Settlement Certificate".

Secondly, after the borrower has completed the loan settlement certificate, he will take the certificate and other relevant certificates to the local vehicle management office to handle the car mortgage cancellation registration procedures. Specifically, it includes the "Motor Vehicle Mortgage Registration/Pledge Application", the original and photocopy of the identity certificate of the motor vehicle owner and mortgagee, the motor vehicle registration certificate, and relevant documents related to the people's mediation, ruling, and judgment for canceling the motor vehicle mortgage. You can go to the vehicle management office with the above materials and the loan contract signed with the lending institution to handle the vehicle mortgage cancellation registration procedures.

How to go through the procedures after paying off the car loan?

Generally, after the car loan is paid off, you need to go through the mortgage cancellation procedures. You can only own the car if the car is actually transferred into your own name.

After paying off the car loan, the borrower must go to the vehicle management office to go through the mortgage cancellation registration procedures and get back the car ownership certificate, so that the car truly belongs to him.

When handling mortgage cancellation registration procedures, the following materials must be prepared:

1. Valid identity documents of the borrower, applicant and vehicle owner;

2 .Loan contract signed with the bank;

3. Loan repayment card;

4. Original motor vehicle registration certificate.

That’s it for the introduction to car loan maturity.