Fully Paid Your Car Loan? Here’s How to Cancel Your Chattel Mortgage in the Philippines (2026 Guide)

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Finishing a 3- or 5-year car loan is a major win. However, many owners forget that the bank still technically has a "lien" on the vehicle until the Chattel Mortgage is officially cancelled. Without a "Clean" CR, you cannot sell the car or transfer ownership. The Step-by-Step Process: Claim your Documents from the Bank: Once your final payment is cleared, contact your bank’s loan department. They will provide a "Release of Chattel Mortgage" (or Deed of Release), the original CR, and the original Official Receipt (OR). Visit the Registry of Deeds (RD): Go to the RD branch where the mortgage was originally registered (this is usually indicated on your CR). You will need to pay a cancellation fee. They will stamp or provide an annotation that the mortgage is now cancelled. LTO Annotation Removal: Take your annotated documents from the RD to the LTO District Office where your car is registered. You will need: Original CR and OR Release of Chattel Mortgage  V...
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TIN of the Estate

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Contents:

Filing TIN of the Estate 
Transfer of RDO- BIR form 1905
TIN of the Estate - BIR Form 1904


 When we are filing for an Estate Tax, aside from the many requirements that we need to submit, filing a TIN of the Estate is also a must to do. We will be using the TIN of the Estate in paying the Estate tax. It will be applied using BIR form 1904.

Filing TIN of the Estate 

Lately, we were able to process an Extra Judicial Settlement of Estate. I was one of the Attorneys-in-Fact. The place of residence of the decedent (the one who passed away), was NCR. When we were in the process of applying TIN for the Estate, the BIR staff noted that the TIN of the decedent, when he was still living, was from another BIR RDO branch. The RDO advised that we need first to have the TIN of the decedent cancelled. The cancellation will be done by the RDO who issued his TIN when he was still living. 

Transfer of RDO- BIR form 1905


We were endorsed to his RDO branch, which was also in the NCR. Once there,  they advised that they will get our original Special Power of  Attorney, as it will be attached to the cancellation request. We can not give them the original SPA because we need it to process the Extra Judicial Settlement of Estate. So the alternative was just to transfer the decedent's RDO to the RDO branch near his residence. This is the RDO where we will be filing his Estate Tax thru the Extra Judicial Settlement of Estate. To process the transfer of RDO, BIR Form 1905 was filled up, signed and submitted by my co Atty-in-Fact.


BIR FORM 1905 - Application for Registration Information Update for Updating / Cancellation of Registration / Cancellation of TIN / New Copy of TIN Card / New Copy of Certificate of  Registration



TIN of the Estate - BIR Form 1904


After submission of BIR form 1905, the transfer was done. We were able to apply for the TIN of the Estate,  after the decedent's TIN (when still alive) was cancelled by the new RDO branch near his residence. Eventually, we were able to work on the processing of the Extra Judicial Settlement of Estate and got the TIN of the Estate.


This is all for now. Thank you for your time ❤️.

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https://pamanafromancestors.blogspot.com


For clarifications or suggestions, you may post a comment below, or reach me on facebook/messenger, Pamanafromancestors or via email at anchiebalita@gmail.com



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