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In this tutorial, the speaker discusses car ownership in relation to car loans. When a person finances a car, the lender (usually a bank) holds the title as security until the loan is paid off, meaning they technically own the title. However, the buyer is the actual owner, as they can drive, sell, or refinance the vehicle. The insurance policy is on the driver, not the bank. Once the loan is fully paid, the lender sends the title to the buyer, who becomes the full owner and the arrangement transitions from an "agreement for sale" to complete ownership.
