Finance car
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The common name which points to the car having the process that secures it after I was generally provided as a security in the case of money financing with the finance car (きんゆうしゃ) from a debtor to a creditor, and was carried out. With a finance thing (きんゆうもの), the finance flow (きんゆうながれ).
I often point to the car which is in condition not to be able to generally do a name change (move registration) by circumstances recently.
The reason varies, but it is often said that I secure it regardless of the intention of the owner on the automatic car inspection visa and am provided and do the most and fell into the hands of the third party. There is not a name change without the documents which are necessary for name changes (move registration) such as the natural transfer certificate, proxy, certification of a seal impression being prepared because the consent of buying and selling and the security offer by the owner is not provided.
In addition, I may just fall into the hands of the third party because it is difficult to prepare the required document including the case that a company and the missing person who already went bankrupt become belonging to it. I am called the cars which there is reason in, and these are distinguished from the finance car.
Still I am just often bought and sold if an effective automatic car inspection visa and a number plate are provided because the run of the public road by the third party does not have the problem. What is bought and sold by Internet auction is founded recently.
I circulate slightly than the public used car equivalence car model market price cheaply to have to continue getting on as the name of another person in form called the occupation without being able to do a name change, and to be accompanied by some risks, illegality. There is the supplier who treats mainly such a car in the public.
Table of contents
Risk on getting on
It is available more cheaply than a general used car, or there are many people getting on willingly. There is the risk such as follows, too.
- I may not take out voluntary insurance or an automobile physical damage insurance.
- The return of the vehicle may be demanded than the owner who does not consent to buying and selling.
- Forced erasion of the vehicle registration may be put the owner who knew that I am bought and sold without permission under (naturally it becomes the no car inspection service if I get on without noticing).
- A reissue procedure is troublesome when I lose a number plate and the registration document (in the case of reissue, the consent documents of the owner are necessary.)
- When automobile tax taxation is prohibited by the taxpayer (almost none of the cases of the user on the registration document) of the car, an examination of continuation (car inspection) may not be received without a tax payment certificate being published.
- Because erasion registration or eternal erasion are not possible like a common car at one time even if it becomes used, I cannot facilitate disposal by a junk car or the dismantling.
Illegality
- It is said that the finance car is not illegal, but the car is required to report a thing, the storage area that report a name change (move registration) within 15 days after the purchase to the jurisdiction land transport branch office to the police station of the jurisdiction as garage proof. To be exact, it becomes illegal when I do not perform these.
- It is usually attached documents (transfer certificate, proxy, certification of a seal impression) which the person whom I provided as a security lists the intention of the transfer and signed. It is proved that I was bought and sold for the intention of the security provider, but the sales contract top is meaningless because it is the transfer document of the person who does not have proprietary rights.
Process to become the finance car
The cars that proprietary rights were reserved as for the recent finance car by the sale on credit companies are often found. Because a buyer purchased this by a loan, "the owner" on the automatic car inspection visa is in condition to become the buyer whom loan companies such as the sale on credit, "a user" purchased by a loan. I cannot usually cancel this reservation until I pay 残債 of the loan in full. However, there are many moneylenders whom I receive a security offer and finance, and even the car which is in such a state exists, and what circulate as a finance car from those suppliers in the market is common. I may be accused on the charge of embezzlement on the side (the debtor who provided the car of proprietary rights of another person to a security) to part with by an owner. Besides, it is done taxation (until I cut car inspection) every year, and the automobile tax will receive a demand because a name change is not carried out even if I fall into the hands of the third party until I pay it fully. I can less ignore the possibility abused repeatedly by crimes of the traffic violation when a car in the name of oneself falls into the hands of the heartless end user.
Outside link
- It is closed down darkness - of "the finance car" series "ウラドリ" unknown request one after another. (archive as of December 6, 2010)
- "A car security man two arrest of the no registration loan business affairs doubt". MSN Sankei news (Sankei digital). (February 2, 2010). An archive by at original February 5, 2010.
- Horse and vehicle deer .com (about a finance car)
This article is taken from the Japanese Wikipedia Finance car
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