车辆解押手续必须车主本人去吗注意什么事项

2022-12-20

贷款买的车还清欠款是要解押的，相信很多人都知道的，但如果不解押那么想要把车辆转卖或者过户是无法完成的。那么车辆解押手续必须车主本人去吗？下面来看规定。
车辆解押不一定需要车主本人去，车主本人如果抽不开身，可以委托其他人来办理解押，注意以下几点就好了。
1、委托其他人解押需要出具一份委托书。委托书上要体现委托人的信息、时间等属性。
2、需要带齐证件。比如说机动车登记证书、车主以及委托人的身份证原件与复印件、贷款结清证明与合同等等。
3、不能够异地办理。车辆解押只能够在车辆登记地的车管所进行，不能够在异地或者是线上办理。
【车辆解押手续必须车主本人去吗注意什么事项】4、只能够在工作日办理业务。节假日车管所是不会上班的，办理业务需要合理安排时间。
5、车辆解押没有费用。客户准备好资料去车管所办理业务就好了，一般是不会产生费用的。
所以哪怕车主在外地或者是没有时间，但也可以委托其他人按照规定去办理车辆解押手续。如果车辆没有及时解押，可能会存在以下这些问题。
1、车辆存在二次抵押风险。没有及时办理解押手续，那么客户的机动车登记证书上就一直会显示抵押状态，存在二次抵押风险。
2、影响以后办理车辆过户手续。车辆如果没有解押，那么就不能说一定属于车主个人，因此没有解押的车辆是不能够过户的。
3、影响车主办理抵押贷款。有不少贷款机构并不支持车辆二次抵押贷款，如果车辆没有及时解押，在以后办理车辆抵押贷款的时候很有可能会被贷款机构直接拒贷。
4、对车辆理赔会有一些影响。车贷还完后没有办理解押手续，那么车险的受益人仍然是贷款机构或者银行，如果发生车险事故，受益人不是车主本人。
因此在客户结清车贷以后，尽快去办理车辆解押手续十分重要，不要拖的太久给自己带来了影响。
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