Legal analysis: guarantee loans to others, you can buy a car by stages. As long as you have the repayment ability, you can still borrow money to buy a car without weakening your original protection ability. Because each contract has its own independence, as long as you meet the loan conditions stipulated in the mortgage loan contract, you can borrow money to buy a car.

Legal basis: Article 400th of the Civil Code of People's Republic of China (PRC) establishes mortgage, and the parties shall conclude a mortgage contract in writing.

A mortgage contract generally includes the following clauses:

(1) The type and amount of secured creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) The name and quantity of the mortgaged property;

(4) the scope of the guarantee.