How to Check Vehicle Mortgage Status?
3 Answers
Vehicle mortgage registration information can be queried at the vehicle registration department. If the vehicle is mortgaged or under preservation, it should be traceable. You may also check the motor vehicle status through the local traffic police detachment website by providing the VIN (Vehicle Identification Number) and engine number. Conditions and materials required for applying for auto loan/mortgage services: 1. Have a stable occupation, and the applicant must own the mortgaged vehicle locally; 2. Long-term residence and work in the city where the service is provided, along with proof of occupation and economic income; 3. Vehicle registration certificate, driving license, purchase tax certificate (original), and car purchase invoice; 4. Insurance policy, vehicle and vessel tax certificate, and relevant tax documents for imported vehicles; 5. ID card (non-local residents must provide a valid temporary residence permit or residence certificate); 6. Other documents required by cooperating institutions.
When I bought my first car, I was worried about the mortgage issue. A friend taught me that the most reliable way was to go to the vehicle management office in person. I needed to bring a copy of the owner's ID and the vehicle's green book, officially called the Motor Vehicle Registration Certificate. The staff would input the license plate or VIN into their system, and the report would be ready in just a few minutes. Nowadays, it's even more convenient. I often use Alipay—just search for 'vehicle mortgage' in the city services, fill in the required information, and the status is displayed almost instantly. Checking is crucial because I've heard that if a car has an outstanding loan and the mortgage isn't cleared, the bank might repossess it after purchase, causing transfer hassles and financial loss. Regular checks help prevent problems, especially before buying a used car. Don’t cut corners by using third-party paid websites, as they can easily leak your privacy. In short, learning this trick as a newbie saved me a lot of trouble.
With years of driving experience, I'm quite familiar with mortgage inquiries. In the early days, you had to queue at the DMV to check the mortgage section on the registration certificate. Now, with rapid online development, just log into the official 12123 APP, enter the VIN and license plate, and the query results appear instantly. I recommend everyone prioritize checking the records on the big green book—the mortgage status is clearly stated on a specific page. Always verify this when buying a car; otherwise, like my friend in the past who skipped this step, you might end up with a mortgaged vehicle that can't be transferred, requiring hefty payments to clear the loan. Regular maintenance checks also ensure your car isn’t unexpectedly locked. Simple steps: prepare your documents, check online or in person—it’s low-cost and safe.
