Kfz Brief bei Finanzierung umschreiben?
Hallo, Meine Tochter hat mit Freund Auto auf Finanzierung gekauft. Kredit läuft noch. Sie Bezahlt den Kredit und er bürge. Trennung jetzt. Er steht im KFZ Brief. Kann der Brief auf sie umgeschrieben werden weil sie bezahlt und fährt das auto.
You have to separate it.
The car belongs to the one who bought it and is the owner in the papers.
The credit belongs to that which is borrower and/or guarantor.
If the loan is paid, the car still belongs to the buyer. The ex has to properly log it off with all papers and it has to log it back to its name with the same papers. An official contract would be good.
There is no link between bank and road traffic control.
If the ex doesn’t, he has a car that paid an ex. She could sue it… she should settle the fastest or stop the payments.
You really have to cut something. Anyone who is registered as a holder in the vehicle papers has nothing to do with the owner’s position.
Ownership and property is two things. In addition, the question arises: “Who is the owner of the purchase?
The property is transferred in Germany not through purchase agreements, but by handover and transfer. It also depends on how the financing is regulated, so whether there was a guarantee agreement, an effective retention of ownership or the like
I think no, because this also changes the value of the vehicle negatively. You can really answer that only the bank.
Why should the value of the car change?
Because the vehicle had two previous owners and can no longer be sold from 1.Hd.
The question is who has become (or should be) owner and what specific security agreement with the lender exists. I assume that nothing is happening without the consent of the friend and the lender.
Of course, if holders and lenders play along.
What SF class does she have for insurance?
If the friend agrees to this, the vehicle can be re-registered – simply rewrite the letter does not go.
… because otherwise every thief could simply allow a car on himself – at any time. 😉
Not only the friend has to agree, but first and foremost the lender bank, especially since the credit will have been marginal anyway.
The approval of the bank is rather not necessary or difficult to obtain in real terms – as it is intended to rewrite the vehicle to the borrower. Just why should the friend agree – but continue to be a burden?
The approval is very necessary. If the letter is requested by the bank and sent back with a second holding entry, it may be very uncomfortable for the borrower.
Immediate maturity of the balance should be very likely in the case.
Does he agree? Then you can
It is much more interesting how the lender stands for it.
If he agrees, yes
… and the bank!
Yes, of course, because there are the documents