1. Planned budget: Assess household income and expenditure and make a reasonable budget. Determine the amount that can be used for car loans and other expenses every month, and ensure that it does not exceed the rated burden.

2. Optimize expenditure: review current expenditure and look for opportunities to save. For example, cut unnecessary consumption and optimize daily expenses to release more funds to meet new demands.

3. Consider buying a used car: You really need a car, but your budget is limited. You can consider buying a used car. The price of used cars is relatively low, which can reduce the burden.

4. Consult professional advice: consult a professional financial consultant or bank loan expert to understand the choice and interest rate of auto loans. They can provide you with more detailed guidance according to your specific situation.

5. Suspend the car purchase plan: The current economic situation cannot support the car purchase, so you can temporarily postpone the car purchase plan until the economic situation is more stable. Therefore, a pregnant husband who has a mortgage at work and wants to buy a car can consider the above five points.