What will happen if the vehicle mortgage registration is not cancelled?

1. Can the vehicle mortgage registration be deleted?

You can cancel the vehicle mortgage registration when you meet the legal conditions, but generally you can't delete the mortgage registration record. You can consult the local vehicle management department for details.

To apply for cancellation of mortgage registration, the motor vehicle owner shall fill in the application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee;

(2) Motor vehicle registration certificate.

If the people's court mediates, makes a judgment or orders to cancel the mortgage, the owner or mortgagee of the motor vehicle shall fill in the application form and submit the motor vehicle registration certificate, the effective mediation, ruling or judgment issued by the people's court, and the corresponding notice of assistance in execution.

The vehicle management office shall review the submitted documents and vouchers, and annotate the contents and date of cancellation of mortgage registration on the motor vehicle registration certificate.

Second, do not apply for vehicle mortgage registration.

(1) The certificates and vouchers submitted by the motor vehicle owner are invalid;

(2) The motor vehicle has reached the compulsory scrapping standard stipulated by the state;

(three) the motor vehicle is sealed up or detained by the people's court, the people's procuratorate and the administrative law enforcement department according to law;

(4) The motor vehicle is stolen or robbed;

(five) the motor vehicle under customs supervision has not been released from customs supervision or has not been allowed to be transferred;

(6) Other circumstances that do not conform to the provisions of laws and administrative regulations.

Third, the vehicle mortgage process

(1) Vehicle inspection:

Required information: Great Green Paper, driving license, insurance policy, copy of owner's ID card (with original). If you check the car,

Just bring the big green paper, a copy of the driving license and the owner's ID card, drive the car to the vehicle management office and file it directly for inspection. The registration fee is 30 yuan, then compare the license plate number, vehicle color, brand, model, engine number, VIN code, file number and registration time, and then enter the next process: inquire the insurance file from the insurance company. After the inquiry is completed, if it is live, it must be fully guaranteed. If so,

(2) Evaluation

The best way to operate is to drive the car directly to the used car market, let a group of "antique leather goods" see it, and directly talk to them about how much to collect the car, at least five. Talking about five is just a statement. As long as you enter the used car market and shout in the group with WeChat, at least a dozen bosses who do used car business will come over.

(3) Pledge:

1. Death charges:

The signing date of loan mortgage agreement, loan bill, receipt, second-hand car sale agreement and second-hand car sale agreement shall be the day after the repayment date. The creditor (mortgagee) in the loan mortgage agreement and the buyer in the second-hand car sale agreement should not be the same person. It is better for the creditor (mortgagee) to entrust a third person, which is the so-called "yin and yang article" in private lending.

It is best not to print the second-hand car sale agreement yourself. There is one copy in the second-hand car market, one copy in 25 yuan, and two copies of carbonless copy paper contract (one white and one powder) each 100. This contract shall be supervised by the local vehicle management office and come into effect after being signed. One of the second-hand car sales agreements is the division of vehicle responsibilities, which stipulates a time point, and the responsibility for vehicle violations and accidents before this time point shall be borne by the seller, and the responsibility for vehicle violations and accidents after this time point shall be borne by the buyer; This is also the reason why there is no need to inquire about vehicle violation records during vehicle inspection.

2. Real-time charging:

(1) Procedures are the same as death charges. In addition, the original owner (borrower) is required to write a statement to the effect that the vehicle has been delivered to the buyer, and all matters related to the vehicle will be handled by the buyer after delivery. The purpose of writing this statement is to avoid wasting your breath when forcibly collecting the car after the deadline. It doesn't matter if you don't write This is just a line of defense designed for practicality. Then remember that insurance must be transferred, and the insured and the insurance beneficiary become creditors. Another thing to remember is that the live car must be fully insured+the maximum amount of the three.

(2) Another charging method is to transfer the car directly first, but the risk increases. If a car has a major accident, no matter who drives, the owner must bear at least 60% of the corresponding responsibility. Nowadays, people who pledge alive rarely transfer them to creditors first.

(3) There is also an abnormal way to charge for live broadcast, that is, transfer the car to the name of the car rental company, and then go through the lease procedures to turn interest into rent. Of course, the owner of this car rental company must be one of the owners of the loan company, and even the owner of the loan company is the actual controller behind this rental company.

(4) The next step is to install GPS, and each family has its own gameplay. The price of GPS ranges from 90 yuan to 7000 yuan, depending on how much you want to invest. How much you want to put in the car is up to you. It is best to install voice monitoring to increase the safety factor.

Pawnshops are not very good at pawning tickets, because they have to pay taxes, or play the way of buying, selling or transferring, which saves trouble and is in one step.

(4) loans

1. All formalities, contracts, statements and the two keys of the original car mentioned above are kept in the company. Important note: Don't leave any contract for the borrower, although the contract says "This contract is made in duplicate, each party holds one copy" to avoid future troubles.

2. Deduct the beheading interest for two months first. If it is a bank transfer, beheading interest will make the borrower pay cash first, or make the borrower transfer to a non-lender account through someone else's account. The purpose of this is to avoid the trouble of bank running water in the future. If it is a cash loan, it doesn't matter.

(v) Post-loan management

1. In the case of vehicles not passing through the door, local courts must have a certain relationship. The purpose is that if the main vehicle is applied for preservation, it will know the news immediately, and then what needs to be done is to transfer the vehicle immediately. This is a grey method, but the probability of this happening is relatively small. It doesn't matter if the vehicle is transferred first.

2. Check the borrower's credit report once a month. Whether there is a bank loans overdue, overdue credit card, etc. In the case of dead charging, the car will be transferred immediately, and in the case of live charging, the car will be collected immediately, the transfer will be made, and then the interest will be reduced to the interest of dead charging, otherwise it will be too careless.

3. Under the condition of living mortgage, visit the family once every half month to see if their life is abnormal, what the family did before the loan, where the parents, wives and children go to work or go to school, and what their names are.

4.GPS should be checked at least five times a day.

5. The stopped vehicle runs several times a week, otherwise it will be bad for the vehicle. If you want to drive by yourself, set up a watch and use an electronic dog.

6. For the abnormal alarm of GPS, at least three different people's mobile phones must be set up, and the mobile phones must be turned on 24 hours and can be heard at any time. Alarm clocks are set to grow songs to avoid short message prompts. When sleeping, the mobile phone is placed next to the pillow, which is the habit of private lending practitioners.

(6) overdue and extension

Let me tell you a fact first. It is common for private loans to be overdue and extended, especially loans (mortgage and pledge loans). Moreover, in this circle, there is no obvious boundary for overdue. To put it bluntly, if the collateral can be fully realized to cover the creditor's rights, it will be beheaded every two months, but the longest will not exceed one year. In about eight months, you will begin to ponder the realization of collateral. This is the most authentic offline game.

(seven) collect the car site use fee.

In fact, it is very rare that private lending vehicles are forcibly confiscated and GPS is dismantled. This kind of thing has been rendered so strongly on the Internet that many people's first reaction when they hear about the live loan is to dismantle the GPS and cheat the vehicle. This exaggeration of negative information is actually a way of life of the media, just to attract the attention of most people. Why are there so few such things?

1. Those who can pass through automobile mortgage have a certain strength in the local area and have their own business and real estate, otherwise they will not lend.

2. The pre-audit of live mortgage loan is not just a simple "talk with collateral" as I said before, but the audit method of unsecured loan, credit report, bank flow, work situation, operation situation, income situation, family situation and so on. , but also consider his comprehensive default cost and default coefficient.

(8) liquidation

Cashing it in the car is the easiest thing. Before getting on the bus, we discussed it with the "leather goods". Just make a phone call to pick up the car and go through the formalities. Just go there with your car and formalities, leave it there and transfer money directly through online banking on the spot. It is 32,000 or even 8,000 yuan cheaper than the garage price, depending on the car price. These people who are backing up are anxious to collect your car. I have formed a tacit understanding with them for so many years.

The so-called risk control is to control the risk coefficient in the lowest range. The risk coefficient can be infinitely close to zero, but it will never be equal to zero. If the risk coefficient is really equal to zero in theory, it will not survive in the private lending industry, because there will be no lending partners at all. This is an unchangeable reality.

Under normal circumstances, after paying off the loan, the vehicle mortgage registration and cancellation procedures can be handled as agreed, but most of the mortgage records cannot be deleted, but some areas may be different. Consult the local vehicle management department for details.

Legal objectivity:

Motor vehicle registration regulations

Article 24

To apply for cancellation of mortgage registration, the motor vehicle owner shall fill in the application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee;

(2) Motor vehicle registration certificate. If the people's court mediates, makes a judgment or orders to cancel the mortgage, the owner or mortgagee of the motor vehicle shall fill in the application form and submit the motor vehicle registration certificate, the effective mediation, ruling or judgment issued by the people's court, and the corresponding notice of assistance in execution.

The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of cancellation of mortgage registration on the motor vehicle registration certificate.