How to Check Vehicle Mortgage Status?
2 Answers
Check the motor vehicle registration certificate. When purchasing a vehicle, there is always a motor vehicle registration certificate. Examine the status on the motor vehicle registration certificate to see if there is a "mortgage" notation. Inquire at the vehicle management department. The owner must go in person. If it's a used car, the original owner must accompany you for the inquiry. Check with the insurance company. The status of the vehicle affects the beneficiary of the car insurance. If it's a mortgage loan, the beneficiary is the bank. Inquire at the traffic police department. If it shows "mortgage," it means the vehicle is mortgaged. If it shows "normal," it is not a mortgaged vehicle.
When I want to check the vehicle mortgage status, I usually start by opening the Alipay or WeChat mini-program on my phone and searching for 'vehicle mortgage inquiry'. Then, I enter the license plate number and VIN to view the status for free. If it shows a mortgage, I need to be cautious—for example, checking thoroughly before buying a car to avoid disputes. Otherwise, the car might be repossessed or fail to transfer ownership. Offline methods are more reliable: driving to the local DMV counter with my ID card and a copy of the vehicle registration certificate, waiting in line for a few minutes, and the staff will print out a detailed report. I also recommend friends to check regularly since mortgage information changes quickly, and buying used cars carries high risks. Simple tools like the official traffic management bureau's website or app are also useful—just enter the VIN to get instant results. The whole process isn’t as hard as imagined, and checking once saves a lot of trouble.
