Vehicle mortgage must be registered with the vehicle management office. If the owner does not sign, the mortgage registration cannot be carried out, and the mortgage registration can only have legal effect. The subject of mortgage must be himself. I didn't sign the car mortgage contract. If the owner signs a mortgage contract afterwards, the mortgage contract is valid, otherwise the contract is invalid.

What is the procedure for canceling automobile mortgage?

Need to go to the local vehicle management office for vehicle mortgage cancellation procedures, and the materials needed for vehicle mortgage cancellation are:

1. Identity certificates of the owner and mortgagee (copy of bank organization code certificate);

2. The power of attorney of the bank is stamped with the official seal;

3. Registration certificate (with mortgage cancellation information on it);

4. Fill in the form in dmv.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 171 Where an actor has no agency, exceeds the agency or remains an agent after the agency is terminated, it shall not be effective to the principal without ratification by the principal.

The counterpart may urge the principal to ratify it within 30 days from the date of receiving the notice. If the trustor fails to declare it, it shall be deemed as refusal to ratify it. Before the act committed by the actor is ratified, the bona fide counterpart has the right to revoke it. Revocation shall be made by notice.

If the act committed by the actor is not ratified, the bona fide counterpart has the right to demand the actor to perform the debt or demand the actor to compensate for the damage he has suffered. However, the scope of compensation shall not exceed the benefits that the counterpart can obtain when the principal ratifies.

If the counterpart knows or should know that the actor has no right to act as an agent, the counterpart and the actor shall bear the responsibility according to their respective faults.