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Deed of Sale for a Second-Hand Car

A written deed of sale protects both the buyer and the seller when a used car changes hands. It records the vehicle, the price, the payment terms and the date of transfer, which the LTO and insurers may ask for.

What to prepare

  • Full legal names and addresses of seller and buyer
  • Make, model, year, plate number, engine number and chassis number
  • Odometer reading, if available
  • Selling price and payment method
  • Date and place of sale
  • Seller’s proof of ownership, such as the OR/CR

Good to know for this situation

  • Verify the OR/CR and the seller’s identity before paying. A deed of sale does not cure a stolen or encumbered vehicle.
  • State whether the sale includes the spare key, tools, accessories and existing insurance.
  • Keep the notarized deed, OR/CR, and proof of payment together for the LTO transfer.
  • If the car is still financed, the bank’s consent may be required before sale.

Template only, not legal advice. Checked 2026-11-11.

Questions

Is notarization required for a car deed of sale?
Not always for validity between the parties, but the LTO and insurers often expect a notarized deed. Confirm the current LTO requirement before submitting.
What if the car is still mortgaged?
The bank may need to consent to the sale or release the mortgage first. Do not pay the full price until the ownership and encumbrance status are clear.
Does the deed transfer ownership automatically?
No. The deed is evidence of the sale; the LTO registration transfer is a separate step. Keep both the deed and the registration documents.

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