You can write someone else's name when you borrow a car, but the borrower who applies for a car loan must have the same name as the owner. If the loan applicant writes someone else's name, it is equivalent to your car name. Moreover, if someone else's name is written on the loan to buy a car, the person who writes the name will bear the corresponding debts arising from the loan, and others may not be willing to cooperate. In this case, you'd better write your name.

Extended data

Loan to buy a car

The basic conditions for buying a car with a loan mainly include the following:

1./kloc-a natural person aged 0/8 (inclusive) with full capacity for civil conduct.

2 have a stable and legitimate source of economic income, and have the ability to repay the loan principal and interest on schedule.

3. Personal credit is good, and there are no bad records or serious negative information in the credit report (banks and auto consumption finance companies will mainly inquire about the credit information of customers in the past two years).

4. Have a certain amount of self-owned funds to pay the car down payment (not loans or funds obtained through credit cards), and the down payment ratio is generally around 20% or 30% of the total car price, usually not less than 20%.

The process steps of loan to buy a car mainly include:

1. The customer selects and orders the car, signs a car purchase agreement with the car dealer, and pays the deposit.

2. Prepare personal ID card, bank account, car purchase agreement and other materials to apply for car loan at the bank (auto consumption finance company) business outlets, collect the application form at the counter to fill it out, and then hand the completed form together with the materials to the staff.

3. After the bank (auto consumption finance company) accepts the application, it starts to sort out the information, carries out the examination and approval, and informs the customer as soon as the examination and approval result comes out.

4. After receiving the notice, the approved customer will sign the loan contract at the outlet within the agreed time, handle the vehicle mortgage and other related procedures, pay the down payment at the 4S shop, and then wait for the loan.

5. The loan funds are paid to the account. After the 4S shop receives the final payment, the customer can take the personal ID card to pick up the car and give the car a license. Then, remember to repay the car loan in installments on time according to the repayment plan agreed in the loan contract. After the car loan is settled, the customer can apply for the loan settlement certificate, get back the vehicle registration certificate, and then go to the vehicle management office to understand the mortgage procedures.