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Transferring Car Ownership to Another Person? Here’s What to Do

There comes a point in your life when you have to sell your old vehicle and buy a newer one. And it’s not as easy as you might think (at least for some people). When I sold our old car, it literally took me half an hour to get out of the driver’s seat–and another half to give the keys to the buyer.

Call it over sentimental–but heck, that car drove me through my entire college years daily without a single complaint. What’s more, french fries never tasted better than when I’m using my favorite food holder on the dashboard.

But still, it has to be done. When transferring your car ownership to a buyer, you need to make sure that all your documents and procedures are right on track. That way, there won’t be any loose ends that will suddenly throw you off-kilter.

“Registered Owner Rule”

Loose ends here, mean liability. According to the Registered Owner Rule, the person registered on the certificate will be responsible for anything that the car will be involved in–and that includes the driver hitting a pedestrian or even using the vehicle to rob a bank.

Therefore, it’s very important that you properly transfer your car ownership to the new owner. The last thing you want here is to get locked up in jail for something you didn’t do.

How to Properly Register Your Car

Here are the documents you need when transferring your car ownership to another person:

  • Original copy of the Certificate of Registration (CR) or Certificate of Registration Encumbered (CRE)
  • Original copy of Official Receipt (OR) of payment of latest (up-to-date) Motor Vehicle User’s Charge (MVUC) and other fees
  • Original copy of the Deed of Sale/ Transfer/ Conveyance
  • Confirmation of CR/OR in case the transacting district office is different from the district office that issued the current certificate of registration
  • Deed of sale with assumption of mortgage with bank’s conformity
  • Written consent from the financing company in case of CRE
  • Philippine National Police-Highway Patrol Group (PNP-HPG) Motor Vehicle Clearance Certificate.
  • Duly accomplished and approved Motor Vehicle Inspection Report (MVIR)
  • Appropriate Insurance Certificate of Cover (COC)
  • Taxpayer’s Identification Number (TIN)

Procedure

  1. Go to LTO District Office. This is on any Online District Office. Make sure all your documents are complete, and submit them to the evaluator.
  2. There will be an actual inspection of the car. This will include emissions testing, with duly accomplished MVIR.
  3. Proceed to the cashier when your name is called for the necessary fees and get an Official Receipt (OR).
  4. Wait at the Releasing Counter for your Certificate of Registration (CR), plates, stickers, and other requested documents.

Tips and Guidelines

1) Getting your Motor Vehicle Clearance Certificate will take you around 3 working days from the date of application or any HPG directory office. Here is their schedule:

Days and Time:

 Monday – Friday / 8:00 AM – 5:00 PM, with no noon break

Location: PNP Highway Patrol Group (PNP Camp General Crame, Q.C., MM.)

2) Remember that PNP-HPG will confirm your chassis and engine numbers as valid and untampered with. This requires them to use a macro-etching procedure that uses a paint remover.

 3) Don’t know how to write your deed of sale? You might want to try this template.

4) In case you don’t know what an Insurance Certificate of Cover (COC) is, it’s the document presented to the Land Transportation Office (LTO) that proves your car has an existing Compulsory Third Party Liability (CTPL) coverage.

Remember, selling your car will take a lot of effort on your part–and that includes properly transferring your car ownership to a buyer. Make sure you tie up all the loose ends first before you bid adieu to your vehicle. That way, you’d get to enjoy your new car without worries and hassles down the road.

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41 Comments

  1. Gibet
    June 28, 2018 at 6:33 pm — Reply

    Good Day!

    Ask ko lang po, different scenario po, kumuha kami ng car, bali installment basis (fully paid now), ang nagasikaso eh sister in law namin, (under mortgage name pa daw nya), need pa ilipat sa name nya. Bago daw mailipat sa name namin.
    Ganun po ba ang procedure?

    Salamat po ng marami.

    • July 1, 2018 at 2:23 am — Reply

      Hi Gibet,
      It would be best to seek legal advice from a lawyer here; we don’t want to make mistakes with this kind of thing.

    • September 25, 2018 at 1:09 pm — Reply

      under means hindi pa bayad

  2. Alex
    August 20, 2018 at 11:28 am — Reply

    Hi,

    How long does it take to transfer ownership?.

    Thanks

  3. Mandy
    August 27, 2018 at 2:46 pm — Reply

    Hello Gibet,

    I shall relay to you based on my experience.

    When you loaned a car from the bank, your car’s Certificate of Registration is encumbered to the bank.
    You can remove this encumbrance by going to the Head Office Branch of your bank upon paying all liabilities of your car loan.
    You shall receive you CR that is free from from encumbrance and document from the bank’s head office.

    Since the CR is under the name of your sister, she needs to retrieve the document from head office personally.

  4. Kirby
    September 21, 2018 at 8:46 am — Reply

    When transferring ownership without a deed of sale, a deed of transfer is needed? correct? what does a deed of transfer look like?

    • September 21, 2018 at 9:13 pm — Reply

      Hi Kirby,
      In most cases, yes–you can use it as substitute. Still, its’s best to ask a legal consultant just to be sure.

  5. Anonymous
    September 26, 2018 at 10:57 pm — Reply

    hello po. what if patay n po yong nkapangalan sa sasakyan tapos wife nya po nagbenta, ano pong kailangang docunents?

  6. Efren Alzate
    September 27, 2018 at 8:43 am — Reply

    Is there an HPG field office in Pasig near ULTRA? I got the HPG contract number unfortunately, it is inaccessible.

  7. jeri
    October 5, 2018 at 8:22 am — Reply

    hi po, panu if deceased na yong nakapangalan sa OR-CR, pwede pa ipangalan sa asawa kahit hindi pa bayad ung car sa bank?

    • October 7, 2018 at 10:13 am — Reply

      Hi Jeri,
      Dapat i-consult mo yan sa lawyer. You also need to update this information sa bank niyo.

  8. jac wagener
    November 8, 2018 at 8:08 am — Reply

    I was driving the car from my friend who past away. his wife wants to sell it to me. what do we need to do and what are the requirments?

  9. Jo
    November 12, 2018 at 11:22 pm — Reply

    Hi, hindi ba talaga nagbibigay ng hpg-pnp clearance pag di pa tapos ung nakaloan na sasakyan?sabi kasi ng pnp di pwede itransfer name kung di pa tapos ung loan

    • November 14, 2018 at 2:50 pm — Reply

      Hi Jo,
      Yes, generally, dapat nabayaran na ang loan muna before you can get the clearance.

  10. jhes
    November 16, 2018 at 3:47 am — Reply

    hi, patulong po, panu po m transfer ung ownership s pangalan q, nmtay n po father q at hnd p nkpangalan s father q ang ownership pero may Or Cr at deed of sale lng ang meron. Wla po ang xerox id ng may ari. anu po b gagawin?

    • November 16, 2018 at 11:39 am — Reply

      Hi Jhes,
      As I’ve said earlier, best to consult a lawyer for this. Good luck! 🙂

  11. jhes
    November 16, 2018 at 4:19 am — Reply

    hi, ask q lng po about transfer of ownership, panu po b ggwin nawawala po kc ung ID photocopy ng 1st owner, DOS OR CR lng meron, sab kc nila kelngan dw ung xerox id nung 1st owner para mai transfer, posible po b ma itransfer p ang pangaln sa akin, tnxx..

    • November 16, 2018 at 11:38 am — Reply

      Hi Jhes,
      It’s still possible, pero mas mabuti to consult a lawyer or any legal counsel to know the details. That way you’re sure of the next steps to take.

  12. Arline
    December 14, 2018 at 11:02 am — Reply

    ask lang po if transfer of ownership, kung sa Pampanga po naka register the original OR and CR, can we process the transfer of ownership here in Manila? Please let us know the procdure.
    Thank you.

  13. Joseph reyes
    December 17, 2018 at 11:18 am — Reply

    Hi ,
    Ask ko lang po , okay lang po ba if ung deed of sale is not notarize.

    • December 27, 2018 at 3:04 pm — Reply

      Hi Joseph,
      Better if it’s notarized just in case may legal issues na mangyari later. 🙂

  14. Adrian
    January 9, 2019 at 10:59 pm — Reply

    Hi Carmudi,

    How do you go about changing the name of the vehicle owner? kasi may typo yung middle initials sa rehistro.

    Thanks,

  15. jay
    January 15, 2019 at 9:10 am — Reply

    HPG experience sa crame: 4-5 hours kuha mo na yun MVCC (change of ownership)

    arrived 10:30am then drive through their hpg drive thru office with complete documents.

    11am – binigyan ng babayaran sa landbank (unfortunately wala akong maparkingan kasi may event, kaya sa labas ako ng landbank nag bayad (Landbank – Aurora) dito ako nagtagal kasi nag byahe at kumain pa ako.

    1pm – balik sa drive thru then pinapark na ako for inspection (30 mins inspection) then pinabalik ako ng 2:30 para makuha

    2:15 – may nag text ok na, balik ako drive thru then nakuha ko na.

    all in all satisfied ako sa bilis. mas mabilis pa dapat kung may naparkingan sana ako sa loob ng crame.

    • January 18, 2019 at 12:16 pm — Reply

      Hi Jay,
      Thanks for sharing. 🙂

    • theresa
      April 3, 2019 at 3:54 pm — Reply

      pinarush nyo po ba ung pnp clearance nyo? and ano po ba una? comfirmation ng cr or pwede na pa pnp?

  16. Ceriel
    February 5, 2019 at 9:32 am — Reply

    Good Day Guys,

    Can anyone share the requirements for transferring car ownership from a car under company name to private individual.

    Thanks.

  17. kramkram
    February 12, 2019 at 12:47 pm — Reply

    hi po.. pano po pag naka bili ako ng motor tpos may plate number na xa pero wala pa ung actual plate virtual plate lang gmit ko.. d ko po alam kung na release na ung regular plate kasi d ko na na contact ung 1st owner d ko rin alam san nya nabili na motorcycle distributor.. san ako kukuha sa regular plate not the virtual plate? may authoritization lang kasi kasama ung OR/CR nya to use improvised plate until regular plate is available.. salamat sa reply..

  18. Carla
    March 1, 2019 at 11:54 am — Reply

    May estimate ba of fees? How much ung para sa HPG and then ung sa LTO sa pag change ng ownership? TIA!

  19. Anonymous
    March 3, 2019 at 8:37 pm — Reply

    Question lang po, sino ba dapat mag asikaso ng transfer of ownership? Di ba dapat yung seller?

    • March 7, 2019 at 4:35 pm — Reply

      Hi,
      It should be the seller.
      Still, it’s best to ask a lawyer just to be sure about it.

  20. Manny
    March 12, 2019 at 10:38 am — Reply

    How much time is required to accomplish the transfer of ownership and how muchwouldbe the expenses approximately will be spent?

  21. Mon Franco
    March 27, 2019 at 1:00 pm — Reply

    Hi! pwede bang buyer maglakad ng transfer of ownership? Actually binigay lang sakin ung motorcycle

  22. jerict
    March 31, 2019 at 3:12 pm — Reply

    Hi!

    I’m planning to sell my car and it was originally registered in LTO Manila North (which is pretty chaotic place). Afterwards, I transferred my registration to LTO Manila South. Which LTO should I go to transfer ownership? LTO North or South? I got conflicting information on this and the hotlines don’t seem to help 🙂

    PS. I’d avoid LTO Manila North as much as I can 😀

  23. Mari
    April 18, 2019 at 5:00 am — Reply

    Meron po akong sasaluhing kotse at niloan po sa bank bale 3rd owner na po ako kung sakali and 3 yrs ko pang babayarn.

    Ano pong documents kelangan ko sa second owner po ng car?
    Deed of sale po ba ng first owner to the second and deed of sale second owner sa akin?

  24. Liza carandang alotinto
    April 21, 2019 at 4:57 pm — Reply

    Hi gud pm po… Ask ko lng po if panu matrace if na registered n nga un sasakyan macheck po b un by name… May pinaasikaso kmi Para mgrehistro until now Wala p daw..

    • April 23, 2019 at 2:36 pm — Reply

      Hi Liza,
      You can check it via your mobile phone.

      1) Just text the following: LTOVEHICLE[plate number of your car]

      2) Then send to 2600.

      3) Wait for an auto-generated reply like this: : Plate number/Make/Model/Year of manufacturing/Color/Date last registered in LTO/LTO Apprehension/records and LTO Alarm.

      Reminder: You will be charged PHP2.50 for this. Globe and Smart users can avail of this service, although I’m not sure if other cellular networks have already been added on this list.

  25. Elvin padura
    May 10, 2019 at 6:29 pm — Reply

    Nabili ko po yung sasakyan tas nawala ko ko po ang original or cr ko gusto ko sana pa transfer yung cr sa name ko meron sa aki natira xerox lg ng cr pwd ba yun magamit pang transfer tanx

  26. Ellaine Sy
    June 26, 2019 at 5:09 pm — Reply

    Hi,
    The car was named to my husband and I. So 2 names, naka AND and or/cr and everything. We want to change it to one only. To my name only.
    How do we do that? I think deed of sale is not applicable since no money was involved.
    Pls help. Thanks.

  27. Paola
    July 24, 2019 at 2:38 pm — Reply

    Same process ba if transfer sa relative pero hndi naman binenta? And hindi pa fully paid sa bank.. thanks in advance

  28. Raffy
    August 9, 2019 at 1:36 pm — Reply

    If the car I helped pay out was under my dad’s name (now deceased) and my mother was the registerd co-owner of the car how do I transfer car under my name? Sino po dapat yung kakausapin ko dito? Also, is it true that it will take roughly more than 15k at least to fulfill this transfer process?

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