Not really. Unless you want to get a mortgage, you may need to find a guarantee company. You can choose to buy a used car with a loan. The lender can be a bank or a guarantee company, depending on the time and loan conditions. Second-hand car loans, that is, second-hand car mortgage loans, refer to loans issued by commercial banks to individual borrowers. Guarantee means that if the warrantee has some problems in borrowing money or other activities, and the warrantee does not bear the responsibility, then its responsibility must be transferred to the guarantor. The method of guarantee is a safeguard measure stipulated by our country to ensure the legitimate interests of borrowers. The ways of guarantee include mortgage, pledge, guarantee, lien, deposit, etc., especially the guarantee belongs to PICC, and the credit guarantee we often say refers to the nature of property insurance. Regarding the scope of application of guarantee, there are many other debts of unjust enrichment and civil and commercial activities that can be guaranteed in the relationship between the law of power and responsibility guarantee. Guarantee Law and Judicial Interpretation of Guarantee Law have a comprehensive understanding of guarantee.

Legal basis: Article 580 of the Civil Law of People's Republic of China (PRC), the following civil acts are invalid: (1) those committed by persons without civil capacity; (2) A person with limited capacity for civil conduct cannot independently implement it according to law; (3) One party makes the other party act against its true meaning by means of fraud, coercion or taking advantage of others' danger; (4) Malicious collusion that harms the interests of the state, the collective or a third party; (5) Violating laws or public interests; (six) the economic contract violates the mandatory plan of the state; (seven) to cover up illegal purposes in a legal form.

I. Guarantor conditions:

1, a natural person with full capacity for civil conduct, aged between 18 and 65;

2. Have a legal and valid identity certificate and a permanent residence or permanent residence in the local area;

3. There is no obvious default record and no bad credit record;

4. It has nothing to do with this case;

Two. What are the procedures for the court to enforce the guarantor?

1. The person subjected to execution applies voluntarily;

2, the mortgage transfer or registration procedures;

3. With the consent of the applicant;

4, the people's court review;

5. Approved by the people's court.