
If mortgaged to a bank, the color change registration can only be processed after the mortgage loan is fully repaid. If mortgaged to manufacturer financing, you can borrow the vehicle registration certificate from the 4S dealership, usually for a fee. The owner must return it within the specified period and ensure the vehicle is reported after the color change. According to Article 10 of the "Motor Vehicle Registration Regulations," the following documents are required to apply for a change in vehicle body color: "Motor Vehicle Change Registration Application Form"; identity proof and copies of the vehicle owner and agent; motor vehicle registration certificate; motor vehicle driving license; standard photos of the vehicle for which the change is being applied; and resolution of all traffic violations. If the color change area does not exceed 30% of the vehicle's surface, no change registration is required. Conversely, if it exceeds 30%, the change must be registered and filed within 10 days after the color change. Precautions for Vehicle Color Change: Before changing the vehicle color, consult the local vehicle management office where the vehicle is registered to confirm whether the region permits color changes via wrapping film. If the region does not support this method, the change cannot be registered, and the film must be removed to restore the original color. Additionally, according to the "Motor Vehicle Registration Regulations," owners no longer need to apply in advance to the vehicle management office. They can first change the vehicle color, install body kits, replace the engine, etc., and then apply for a change registration. Article 10 states that registered motor vehicles must apply for change registration under the following circumstances: Change of body color. Replacement of the engine. Replacement of the body or frame. Replacement of the entire vehicle due to quality issues. Change of use, such as converting a commercial vehicle to non-commercial or vice versa. Change of the owner's residence in or out of the vehicle management office's jurisdiction. Furthermore, according to Article 15 of the "Road Traffic Safety Law of the People's Republic of China": police cars, fire trucks, ambulances, and engineering rescue vehicles must display designated markings and install alarms and signal lights as required. Other vehicles are prohibited from using similar markings, alarms, or signal lights. Article 56 of the "Motor Vehicle Registration Regulations" stipulates that failure to register a color change as required may result in a warning or fine from the traffic management authorities. The vehicle may also be impounded and required to revert to the original color.

My friend recently spent several weeks trying to change the color of his car because the vehicle's green book (registration certificate) was mortgaged with the bank. First, he had to obtain consent from the mortgage holder, such as the bank or loan company, which required a written authorization letter stating permission for the color change. After getting the authorization, he needed to bring his ID card, vehicle license, a copy of the mortgage contract, and photos of the car after the color change, then drive directly to the DMV to complete the record-filing procedures. Staff would inspect the car to verify the color change and fill out the application form. If the mortgage holder doesn't agree, the color cannot be changed, and unauthorized changes may result in fines or affect future ownership transfers. The whole process is quite time-consuming, so it's best to make an appointment at least one month in advance.

As a car enthusiast who often modifies vehicles for fun, you need to be extra careful when changing the color of a mortgaged car. First, contact the mortgage institution to obtain an approval letter—last time I used a photo of the authorization document taken with my phone, then completed the formal paperwork at the DMV. For registration, you’ll need to present the vehicle license, the owner’s ID, and details of the modifications. If the car is mortgaged and you don’t have the original green title, a copy will suffice. The DMV also requires taking photos for their records. Make sure to complete the color change registration within two weeks, or you risk fines if caught driving without it. Hiring a professional agent to handle the process is highly recommended to save hassle.

Over the years, I've dealt with color changes for mortgaged vehicles. Simply put, you must get approval from the mortgage holder. After obtaining consent, bring all required documents to the DMV, including ID, vehicle registration, and mortgage proof. The color change filing process isn't complicated, but don't tamper with the paint without authorization. The DMV will arrange for vehicle inspection and photography to ensure color compliance. Delaying this process too long may lead to fines or insurance disputes.


