How to pay off the car loan? Analysis of hot topics on the Internet in the past 10 days
With the popularity of car consumption, car loans have become the choice of many people. But after the loan is paid off, car owners are often confused about the follow-up procedures. This article will combine the hot content on the Internet in the past 10 days, structure the key steps after loan repayment, and provide practical suggestions.
1. Hot topics related to car loans on the Internet in the past 10 days
| Ranking | hot topics | Discussion popularity | main focus |
|---|---|---|---|
| 1 | The consequences of not releasing the mortgage after the loan is paid off | 850,000+ | Property rights risks, second-hand car transaction obstacles |
| 2 | Financial company cancellation mortgage process | 620,000+ | Material list, processing time |
| 3 | Green copy (motor vehicle registration certificate) reissue | 480,000+ | Reissue conditions and fee details |
| 4 | Validity period of loan settlement certificate | 360,000+ | Prove purpose, time limit |
2. Things to do after the loan is paid off
1.Get loan settlement certificate
Contact the financial institution to obtain the "Loan Settlement Certificate". This document is the core material for subsequent release of mortgage. Some institutions support online applications, which are usually available within 3-5 working days.
2.Go through the deposit procedures
Bring the following materials to the vehicle management office: - Original and copy of ID card - Motor vehicle registration certificate (green copy) - Loan settlement certificate - Power of attorney from a financial institution (required in some cases)
| area | Time limit for release | cost |
|---|---|---|
| Beijing | 1 working day | free |
| Shanghai | Finish immediately | 10 yuan production fee |
| Guangzhou | Within 2 hours | free |
3.Update insurance beneficiary
During the loan period, the first beneficiary of the insurance is usually the financial institution. After repayment, you need to contact the insurance company to change it to avoid claims disputes.
3. Frequently Asked Questions (frequently asked questions in the past 10 days)
Q1: Will not releasing the deposit affect the sale of the car?
meeting! Undeclared vehicles cannot complete the transfer of property rights, and second-hand car transactions will be directly blocked.
Q2: How to apply in another place?
Off-site release is supported, but financial institutions are required to cooperate in mailing materials. Some cities have opened online application channels.
Q3: What should I do if the green copy is lost?
You need to apply for a new registration certificate first (the fee is about 50 yuan), and then release the bond with the new certificate. Reissue requires the vehicle owner to be present in person.
4. Expert advice
1. It is recommended that after paying off the loanWithin 30 daysComplete the release to avoid process delays caused by lost materials or organizational changes.
2. Keep a copy of the green copy after the release is completed, so that the information can be quickly checked during subsequent annual vehicle inspections or transactions.
3. Be wary of intermediaries that claim to “handle mortgages on behalf of you”. There is no need to pay high service fees for formal procedures.
Through the above structured sorting, car owners can systematically grasp the key points of operations after the loan is paid off. Only by completing relevant procedures in a timely manner can the integrity of the vehicle's property rights be completely protected and subsequent disputes avoided.
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