The way to sell a loan car is:
Pay off the car loan. First, pay off the car loan.
Go through the formalities of mortgage cancellation. After paying off the car loan, go through the formalities of understanding the mortgage.
Deal with vehicle violations. Before selling the car, you need to clear the violation record.
Sign a sales contract. The buyer and the seller sign a contract and the buyer pays the seller.
Go through the formalities of vehicle transfer. When the buyer and the seller go through the transfer formalities at the vehicle management office, they need to provide ID cards, driver's licenses and other documents. Loan to buy a car means that the borrower who applies for buying a car pays a part of the down payment first, and the lender pays the loan to the car buyer in installments, and the rest is paid by the lender. Loan to buy a car means that the borrower who applies for buying a car pays a part of the down payment first, and the lender pays the loan to the car buyer in installments, and the rest is paid by the lender.
How to sell a car before the car loan is paid back?
If you want to sell your car without paying back your car loan, you can learn from the following methods: 1 Negotiate with car buyers, let them pay a certain proportion of car loans first, use this money to pay off the remaining car loans, get back the car registration certificate, and then conduct car transactions, so that car buyers can pay the remaining car loans; Find a financing company to mortgage the car before selling it. If you want to sell a car that has not paid off the loan, you must first pay off the debt, because the ownership of the car bought by the loan strictly belongs to the loan company or bank. Only when the loan is paid off can the car be considered personal. In addition to the two methods described above, you can also directly sell the vehicle to a used car dealer and tell the other party how many loans are still outstanding. Second-hand car dealers will use part of the price to repay the loan. After the loan is paid off, you can get the mortgage vehicle registration certificate from the loan company. Then, in the price of the vehicle, the money for repayment of the loan is removed, and then the car is sold. You can also sell the car to the customer who bought the car in full, and pay off the car loan first, which will save a lot of processes, but there are not many people who buy the car in full at present. The above is how to sell a car without paying off the car loan.
How much is the car that hasn't paid off the loan?
Question 1: Can the car with outstanding loan be sold? How much is it? If the applicant is a car mortgage, mortgage the car to a bank or lending institution before the car is paid off. Individuals only have the right to use cars, but have no ownership, so they can't sell or transfer cars.
Only when the loan is paid off, the car mortgage is released, and the vehicle transfer formalities are handled, then the car can be resold at this time.
Question 2: I haven't paid my mortgage yet, and I want to sell my car. What should I do? No matter the car loan handled by banks, small loan companies or other institutions, as long as the car loan has not been returned, the car cannot be transferred. Because when handling the car loan, the lending institution registered the car mortgage, and the mortgage certificate of the car is on the lending institution's side.
The car loan has not been returned, can the car be transferred? If you don't cancel the mortgage registration of the car, you can't trade or transfer the car. What should the owner do if he is in urgent need of money at this time? The owner can negotiate with the car buyer to let the car buyer pay the car payment in one lump sum, and then pay off the car loan before transferring the ownership. Of course, if the owner is just short of money and doesn't want to sell the car, he can also choose a mortgage loan.
Mortgaged cars can be refinanced, including credit loans, automobile mortgage loans and unsecured loans. Details are as follows:
First, the mortgage car applies for a bank credit loan again.
Application materials: mortgage contract, ID card, driving license, driving license and vehicle insurance policy. If you have real estate, please provide real estate license, which can increase the quota.
Handling conditions: the original car loan amount is greater than or equal to 654.38+ 10,000; The repayment period is greater than or equal to 12 months or less than 6 months; The borrower's (that is, the owner's) credit requirement has no "4" in the last 24 months, no "3" in the last 12 months, no "2" in the last 6 months, and it is not overdue at present.
Handling process: provide copies of the front and back of the ID card to check the credit report, determine the loan amount-bring the information to the bank to formally submit the application-answer the bank's audit call, wait for the audit result (basically completed on the same day)-transfer the funds to the borrower's bank account.
Second, mortgage car loans.
Application materials: motor vehicle registration certificate, driving license, purchase additional tax certificate (original), car purchase invoice, insurance policy, travel tax, tax certificate related to imported vehicles, and ID card.
Conditions for handling: cars, cars by stages, foreign vehicles and other motor vehicles in accordance with the law under the names of individuals and public accounts.
Handling process: automobile evaluation-signing contract-lending.
Third, the mortgage car does not mortgage the car loan
Application materials: ID card (temporary residence permit for foreign residence); Motor vehicle registration certificate; Motor vehicle driver's license; Vehicle insurance policy (compulsory insurance/commercial insurance); Work certificate; Proof of address (any water, electricity and coal bills in the last month). Other supplementary materials: real estate license, bank running water, etc.
Handling conditions: the purchase time of the vehicle under the applicant's personal name shall not exceed 5 years (based on the date of first registration), and the mileage shall not exceed 80,000 kilometers.
Handling procedures: Redeem the car and pay off the loan owed to the bank-cancel the mortgage registration, transfer the registration certificate to the individual's name-re-mortgage the registration certificate to the loan company's name-change the insurance and install GPS.
Question 3: I want to sell the car, but the car loan has not been paid back. What should I do? Mortgage cars cannot be bought and sold directly by private individuals, but they can be bought and sold in the following ways:
1. Mortgage loan: The simplest and most direct method is to sell or transfer the personal vehicle to a third person, apply for personal mortgage loan, and change the loan term, borrower or collateral.
2. Pay off the remaining loan with the buyer's down payment: this is the most widely used model in used car trading. This method is suitable for the case that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the vehicle, and the seller can use the down payment of the buyer to pay off the remaining loan, then cancel the mortgage registration of the vehicle and make the next transaction.
3. Use the bank loan to pay off the remaining loan: If the seller wants to pay off the loan before selling the vehicle or the buyer is optimistic but unwilling to buy the vehicle with outstanding loan, this method can be adopted. But only if the owner has collateral (such as other real estate) recognized by the bank can he apply for a loan. In this way, the owner can borrow a certain amount from the bank through mortgage loan to pay off the loan of the vehicle he wants to sell, which is helpful to the success of the transaction.
Question 4: Can a car with outstanding mortgage be sold? Can a mortgaged car be traded? Are there any cars with outstanding mortgages that can be bought and sold? Give you a detailed introduction.
It is understood that cars with outstanding mortgage loans cannot be traded. The main reason is that the mortgage will be mortgaged in the lending institution. Even if it is not in the lending institution, it can be found in the relevant system. Before the loan is paid off, the lending institution will not return these procedures to the borrower. Without these procedures, cars cannot be traded and sold.
If you want to sell the car being mortgaged, you can ask the borrower to pay off the balance of the car with the loan first and go through the formalities of canceling the car mortgage. After paying off and handling all relevant formalities, you can repay the loan and buy a car.
Question 5: Can the car loan be sold if it is not paid off? Respondent: SAA netizen 1 grade 2011-06-0713: 48: 50, you can buy it after reporting, but you can't handle the transfer! Because the car you borrowed has been mortgaged at the DMV. To put it bluntly, you can make it clear with the person who bought your car and settle it through consultation. Remember never to take the repayment record of the bank as a joke, otherwise, you will lose more interviewees: SAA netizen 1 grade 2011-06-0717. . . . . . Advise you to be cautious! ! ! ! ! ! Because it often happens that someone sells the car they are lending to others, and then comes to the door out of thin air, the lender (debt collector) may have no money. . . . . . . . . . . . . . . . . It's troublesome anyway. . . . . . . . . . . I advise you to be cautious again! ! ! ! ! ! ! ! ! Respondent: SAA netizen 1 grade 2011-06-0723: 03: 26. He didn't pay. Strictly speaking, Che is not his interviewee: SAA netizen 65438+level 0 20 1 1. . . . . . Advise you to be cautious! ! ! ! ! !
Question 6: Can I sell my car without repaying the loan? Hello!
You can't buy or sell your car until the loan is paid off, because your car registration certificate is still mortgaged in the bank before your car loan is paid off, and you don't have the absolute right to use the car. If you want to sell the car, you must pay off the remaining loan at one time. You can negotiate with the car buyer and ask him to pay you a certain proportion of the car money first, then you can use this money to pay off the remaining loan, and then you can trade the car, but the car buyer has to pay the remaining car money.
Question 7: Vehicles with outstanding car loans can be in rmfyb.chinacourt/public/detail.php?. ? Buy or sell? id=75800
Beijing JT lawyer/ Jiufen. asp
Some people sell the cars they bought with loans and then disappear. Insurance companies often find cars but can't find borrowers. However, because the owner is no longer a borrower, the insurance company can only look at the car and bear the loss.
Li, a native of Jiangxi, bought a car with a price of10.2 million yuan in an auto repair factory in Shenzhen in August 2002, with a down payment of 20% and a loan of 96,000 yuan, which was paid off in three years and 36 months. After Li paid the first monthly payment, the car and people suddenly disappeared. In June, 2002, 1 1, the car loan department of the property insurance company that underwrote the car started the tracing work.
In February 2003, the car loan department of a property insurance company finally found the whereabouts of the car after three months of tracking. But now, the car has changed hands, and the car claims to buy this 90% new used car, and the procedures are complete. According to the investigation, shortly after Li bought a car with a loan, he sold the car to Zhang at a price of 654.38+10,000 yuan, and then disappeared. Property insurance companies can't find Li, so they have to be "big heads".
According to reports, since Shenzhen is a city, many people with foreign hukou borrow local hukou to buy cars, and then sell the cars they haven't got yet. This situation is getting more and more annoying for insurance companies to collect money.
Why are there no cars to buy and sell? The reporter felt very strange. The person in charge of a property insurance company told the reporter: "Because there is no' mortgage' registration, vehicles can be resold freely." In view of the situation that borrowers sell vehicles at will, industry insiders suggest that all insurance companies cooperate with the vehicle management office to register vehicles as collateral to prevent borrowers from selling vehicles at will.
When interviewed by PICC, Ping An, Huatai and other property insurance companies, many property insurance companies believe that it will be an effective measure to solve the problem if the relevant departments handle the "automobile mortgage registration" for automobiles. Unfortunately, despite the efforts, this method is difficult to implement for various reasons.
Property insurance companies want to take risks.
During the interview, various property insurance companies expressed their hope to establish a risk-sharing mechanism to share risks with banks and achieve a win-win situation for both banks and insurance companies.
According to relevant sources of Tianan Shenzhen Branch, the company had discussed with the bank, hoping to protect the risks, but it never came down. Therefore, there is no car loan insurance business.
It is understood that the automobile mortgage business of Shenzhen Bank is generally done with insurance companies. It was a win-win situation for banks and insurance companies. As long as consumers mortgage loans in this bank, they must go to the insurance company that cooperates with this bank to buy insurance. Both banks and insurance companies benefit at the same time, which is a win-win situation.
Relevant persons of property insurance companies believe that when the borrower fails to repay the loan, this win-win situation becomes a win-win situation, which is unfair and the insurance company will definitely quit. According to its introduction, because banks are unwilling to take too many risks, their business is actually hierarchical. High-quality customers with good credit can apply for credit loans. Those customers who cannot apply for credit loans or are unwilling to apply for mortgage loans choose performance guarantee insurance loans, which undoubtedly transfers the risks to insurance companies. Some people underwrite the car mortgage guarantee insurance loan to buy a car, but they don't repay it after buying the car, and this part of the cost is stipulated by the insurance company in the guarantee insurance purchased by consumers, so the bank only urges the insurance company to repay it, which is a great loss for the insurance company. The car loan insurance business has expanded substantially, and more people have failed to get loans. Some insurance companies suffer serious losses, and compare their profits and losses. Some insurance companies just stopped this business. ......
Question 8: How to sell the car with outstanding loan? I don't know how many years have you borrowed money for your car? How long has it been returned? How much is still outstanding? The lack of money to pay 1 has affected your credit record in the bank, so you can't get a loan or a credit card in the future. Second, car dealers can take legal procedures to enforce it, and the loan vehicles are not allowed to be resold or mortgaged during the loan period. I suggest you borrow money from relatives and friends for the time being, pay off the rest in advance and dispose of it. . . .
Question 9: Can I sell my car without paying my mortgage? You can't sell a car without paying off the car loan.
1, before the car loan is paid off, the vehicle registration certificate is still mortgaged in the bank, and the car has not been absolutely used.
If you want to sell the car, you must pay off the remaining loan at one time. You can negotiate with the car buyer, pay a certain percentage of the car money first, pay off the remaining loans, and then conduct car transactions. However, the car buyer pays the rest of the car.
3, you can apply to realize the car, find an advance company to advance money to cancel the mortgage of the car and then sell it.
Question 10: If the car I bought with a loan has not been repaid, can I sell the car? I can't sell cars.
Conditions for applying for loan business:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
What should I pay attention to when selling a car with a loan? It will be clear after reading it.
People often borrow money to buy a car, but they have not paid off their debts, but they urgently need to sell their cars. It is not so easy to sell a car with a loan, and the procedures are relatively complicated, but it is not impossible to sell it, just pay attention to some matters. So what do you need to pay attention to when you sell a car with a loan? Let me give you a brief introduction.
What should I pay attention to when selling a car with a loan?
As we all know, the green money of the car loan is mortgaged to the lending institution and cannot be transferred before the loan is paid off. If you want to sell a car, you must settle the loan and put it at the vehicle management office before you can buy, sell and transfer.
Therefore, the lender must try to raise funds to pay off the car loan, which can generally be achieved in three ways:
1, find someone to borrow money to pay off the remaining loan, and then return the money to the borrower after selling the car.
2. Find a buyer and ask him to pay a sum of money to pay off the remaining loan first, and then ask the other party to pay the final payment after the vehicle is decompressed, and then handle the transfer.
3. Let the buyer handle the second-hand car loan, and pay off the car loan after the loan arrives. The two sides traded again, and the next family repaid the used car loan by itself.
No matter which way to pay off the car loan, the lender will take his ID card, driver's license and repayment details to the loan handling unit to get back the green paper, car purchase invoice, original car insurance and car loan settlement certificate, and then cancel the car mortgage at the vehicle management office.
After the lender repossesses the ownership of the vehicle, it will go to the local used car trading hall or vehicle management office with the buyer, fill in the used car sales contract, handle the transfer acceptance, and pay the relevant fees (transfer fees and license registration fees) to transfer the ownership, so as to sell the vehicle with the loan.
The above is the relevant introduction of "How to sell a car with a loan and what to pay attention to", hoping to help everyone.
How much is the loan car?
If you want to know how to sell a mortgage car, you must first understand the process of buying a car by mortgage. To sell a car by mortgage, the first step is to choose a dealer who has a cooperative relationship with the bank. Car dealers nowadays generally have this qualification. The second step is to sign a car purchase contract, stating the payment method of car price, taxes and insurance premiums, and clearly stating the mortgage ratio. Step 2, fill in the loan application form at the dealer and relevant banking departments, indicating the loan amount and term. You should prepare your ID card, marriage certificate and other identification documents. Actually, you have to go to the bank to sign this and check the loan amount with the bank staff. Anyone who has had the experience of car loan knows that if you choose to buy a car with a loan, no matter the loan from a small and medium-sized loan company with a bank loan, the car is actually mortgaged to a lending institution. Lenders have no property rights to cars, so how to sell mortgaged cars becomes a difficult problem. Because the loan applicant does not own the property right of the car and cannot apply for household registration, he cannot sell his own car. So how much is the mortgage car? After all, you can't sell a car before you cancel the mortgage registration. Then some people who applied for car loans found that they could not make a perfect loan. The task is to sell your car. What should you do? There are still some workarounds. For example, the lender can pay off the bank loan first, and then contact the mortgage procedure, so that you can sell the car. Secondly, for the mortgage car that has been transferred to your hands, the ownership of the car has naturally changed. By the time you want to sell your mortgaged car again, it will be legally a second-hand car transfer. In addition to following the general process of second-hand car transfer, your mortgage car must first settle your pre-account. Only in this way can your mortgage car be sold and recognized by law. When you settle the account owed to the bank, the bank will stamp to confirm the cancellation of your previous mortgage procedures, return your registration certificate and other relevant documents to your parents, and let you go to the vehicle management office to cancel the mortgage, because your mortgage car has been mortgaged to the bank before. After the mortgage is cancelled, the deposit paid before will be returned in full, no more or less. Do the math, dear. At this point, you can re-mortgage the car according to the formal second-hand car transfer procedures. The process is as follows: (1) Provide the original and photocopy of the ID cards of the buyer and the seller. If one of them is a company, you need the original and a copy of your ID card. (2) An application form for motor vehicle registration, transfer, cancellation and transfer. (3) Vehicle registration certificate and exercise certificate. (4) Original and photocopy of the original invoice for vehicle purchase.
How much is the car bought by loan?
The way to sell a loan car is:
Pay off the car loan. First, pay off the car loan.
Go through the formalities of mortgage cancellation. After paying off the car loan, go through the formalities of understanding the mortgage.
Deal with vehicle violations. Before selling the car, you need to clear the violation record.
Sign a sales contract. The buyer and the seller sign a contract and the buyer pays the seller.
Go through the formalities of vehicle transfer. When the buyer and the seller go through the transfer formalities at the vehicle management office, they need to provide ID cards, driver's licenses and other documents. Loan to buy a car means that the borrower who applies for buying a car pays a part of the down payment first, and the lender pays the loan to the car buyer in installments, and the rest is paid by the lender. Loan to buy a car means that the borrower who applies for buying a car pays a part of the down payment first, and the lender pays the loan to the car buyer in installments, and the rest is paid by the lender.