1. After the borrower pays off the last car loan, the bank will notify the individual to go to the vehicle management office to go through the formalities with the bank staff in about 10 working days.
2. Carrying documents: completing the procedures required for mortgage cancellation. Specifically, it includes the application form for motor vehicle mortgage registration/pledge, the original and photocopy of the identity certificate of the motor vehicle owner and mortgagee, the motor vehicle registration certificate, the conciliation statement, ruling, judgment and other related documents belonging to the people's court to cancel the mortgage. Of course, the bank will prepare all the information, and individuals need to prepare their identity documents.
3. Bring the above information. Bank staff will take people to the vehicle management office to go through the mortgage registration cancellation procedures.
4. After going to the vehicle management office, go to the corresponding window to find the staff of the vehicle management office to handle the relevant cancellation procedures.
5. After the formalities are completed, the whole automobile mortgage cancellation procedure is completed.
What documents does Ping An Bank need for car loan?
After the loan is paid off, the loan vehicle needs to go to Ping An Bank and the vehicle management office respectively to understand the mortgage procedures. The materials to be prepared include car registration certificate, loan settlement certificate issued by the bank, bank organization code and power of attorney, owner's driver's license, car purchase invoice, vehicle annual inspection certificate, vehicle insurance policy and personal identification certificate. The above are some documents that Ping An Bank needs to prepare for car loan lending. It is suggested that the materials should be well prepared to avoid the delay of release procedures due to incomplete information.
Ping 'an car loan application conditions
1. Age must be at least 18 years old. Note that the borrower's age and loan period are less than 70 years old and must have full capacity for civil conduct;
2. Use the second-generation ID card. If it is lost, it should be reissued as soon as possible;
3. Personal credit information is good, and the debt ratio does not exceed 60%. It is best to cancel some credit cards that are not commonly used in advance, and there should not be too many inquiries in the last six months;
4. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest.