Title: How to check vehicle mortgage? Popular topics and practical guides on the Internet in the past 10 days
Recently, vehicle mortgage inquiries have become a hot topic, and many consumers urgently need to know relevant methods when purchasing a second-hand car or applying for a loan. This article will combine the hot content of the entire network in the past 10 days to provide you with structured data and detailed steps.
1. Hot search topics related to vehicle mortgage in the past 10 days
| Ranking | Hot search keywords | Search volume trends | Related platforms |
|---|---|---|---|
| 1 | Second-hand car mortgage inquiry | ↑35% | Baidu/Douyin |
| 2 | 12123 Check mortgage status | ↑28% | WeChat/Weibo |
| 3 | Vehicle release procedures | ↑22% | Zhihu/Toutiao |
| 4 | Mortgage car buying and selling risks | ↑18% | Xiaohongshu/Station B |
2. Five official ways to inquire about vehicle mortgages
| method | Operation steps | Materials required | Timeliness |
|---|---|---|---|
| Traffic management 12123APP | Login→Motor Vehicle Business→Mortgage Registration Inquiry | Car owner's ID card | real time updates |
| DMV window | Get a number on site → Submit inquiry application | Driving license + ID card | 1 working day |
| Bank system query | Contact loan bank customer service | Vehicle frame number/loan contract | 3-5 working days |
| Third party platform | Paid inquiry service | License plate number + vehicle frame number | Instant (charged) |
3. Questions to note (recent hot issues)
1.Mortgage record update time difference: There is a 3-5 day delay in mortgage registration at some banks, and it is recommended to verify through multiple channels.
2.Remote mortgage risk: Recently exposed cases of inter-provincial mortgage disputes show that special attention needs to be paid to the original registration place of the vehicle.
3.Electronic Mortgage Certificate: New electronic mortgage filing will be added from 2023, which can be passedMinistry of Public Security Traffic Management BureauOfficial website to verify authenticity.
4. Latest policy developments (as of 2023)
| Policy name | Implementation time | core content |
|---|---|---|
| "Electronic Motor Vehicle Mortgage Registration" | 2023.6.1 | Nationwide implementation of electronically signed mortgage documents |
| "Second-hand Car Transaction Regulations" | 2023.10.15 | Mandatory disclosure of mortgage status |
5. Expert advice
1. It is recommended to do this before buying a second-hand carTwo-step verification: Check both the vehicle registration system and the central bank’s credit reporting system (some mortgage loans will be subject to credit reporting).
2. Be alert"0 Yuan Check Mortgage" Trap: Fake query websites have appeared on the Internet recently, and all official channels require identity verification.
3. ForMortgaged vehicle transaction, the written consent of the mortgagee must be obtained. Recently, many court rulings have supported the cancellation of illegal mortgage transactions.
Through the above structured data and the latest information, we hope to help you complete vehicle mortgage inquiries safely and efficiently. It is recommended to collect official inquiry channels to avoid property losses caused by information asymmetry.
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