From 2025, no longer presenting bank mortgage receipts when registering cars

From January 1, 2025, car owners who bring their cars for inspection, even if they are paid for in installments, do not need to present the bank's original mortgage receipt of the car registration, and will still be accepted for inspection by the inspection facility.

According to current regulations, the periodic inspection file of a car mortgaged to a bank instead of the original vehicle registration, the car owner needs to present a copy of the vehicle registration certificate and the original mortgage receipt from the credit institution with a red seal (still valid). In particular, the information on the copy of the vehicle registration certificate must be clearly visible, not obscured.

From January 1, 2025, car owners paying by installments when going for vehicle inspection do not need to present the bank's original mortgage receipt of the vehicle registration (illustrative photo).

However, according to the provisions of Circular 47/2024, effective from January 1, 2025, people with cars paid in installments or mortgaged to banks when bringing their cars for the first inspection or periodic inspection will no longer have to present the mortgage receipt or original vehicle registration from the bank or credit institution.

Specifically, for first-time car inspections, the car owner must submit a written request for inspection outside the vehicle inspection facility (in case the car owner requests); a copy of the vehicle's chassis number and engine number; a copy of the factory quality inspection certificate (for domestically manufactured and assembled vehicles); and the original copy of the vehicle's modification certificate (for modified vehicles).

At the same time, present vehicle registration documents including one of the following documents: original vehicle registration certificate; certified copy or certified electronic copy of the original vehicle registration certificate; original vehicle registration certificate appointment paper.

For cars with lifting equipment with a designed lifting capacity of 1,000 (kg) or more; lifting equipment with a maximum lifting height greater than 2.0 (m); tankers carrying liquefied gas, liquefied petroleum gas, compressed natural gas or liquids with a working pressure higher than 0.7 (bar) or liquids or solids in powder form without pressure but when removed, use gas with a pressure higher than 0.7 (bar) as prescribed in Decree No. 44/2016, the Circular supplements regulations that a valid certificate of inspection results must be presented (original or certified copy or certified electronic copy of the original).

For cars undergoing periodic inspection, the documents are similar to those for cars undergoing initial inspection, except that it is not necessary to submit documents such as: a copy of the factory quality inspection certificate (for domestically manufactured and assembled cars); the original copy of the car's renovation certificate (for renovated cars).

Explaining the removal of the bank's mortgage receipt for the original vehicle registration, the leader of the Vietnam Registry Department said that there is no legal provision requiring the presentation of this document when conducting vehicle inspection. At the same time, it creates convenience for people, vehicle owners, and businesses when bringing their vehicles for inspection.

The addition of presenting a valid certificate of inspection results for equipment according to Decree 44/2016 aims to ensure that vehicle owners must comply with Decree 44/2016, and at the same time help ensure comprehensive inspection activities when issuing technical safety and environmental protection inspection certificates for vehicles installed with equipment with strict requirements on safety and labor hygiene.

Source: https://www.baogiaothong.vn/tu-2025-bo-xuat-trinh-giay-bien-nhan-the-chap-cua-ngan-hang-khi-dang-kiem-o-to-192241224205546289.htm