Vehicle mortgages

Using the PDF forms, you can apply for a 10-year mortgage, or renew or cancel a mortgage. In addition, a vehicle can be registered in the mortgage register, if its properties are such that it cannot be registered for traffic use. A mortgage inspection for a vehicle is performed at an inspection office, which will issue a certificate of mortgage registration.

Once completed, the forms related to the mortgage can be delivered along with necessary appendices to the Finnish Transport Safety Agency Trafi, Vehicle mortgages, P.O. Box 9, 96101 Rovaniemi.

• Passenger cars (M1) and vans (N1) cannot be mortgaged.
• The registration of a mortgage on a vehicle for several bonds may be applied for at once.
• A mortgaged vehicle cannot be decommissioned and taken abroad or to Åland, nor permanently deregistered without cancelling the mortgage.
• Information on whether there is a mortgage on a particular vehicle can be obtained by submitting an enquiry to the Vehicular and Driver Data Register. Detailed information on encumbrances on a vehicle may be obtained by ordering a certificate of mortgages for a fee from the agency handling vehicle mortgage information.
• The date of the mortgage issue is the date the mortgage application is processed by Traficom.
• Vehicle is registered in the mortgage register only if it is mortgaged at the same time.