Loan buyers must also meet the following conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

Extended data:

When one spouse borrows money to buy a car, both spouses pay back the money, or the problem of one spouse paying back the money;

According to the Marriage Law of the People's Republic of China, the provisions are as follows:

1 Article 17 The following property acquired by husband and wife during the marriage relationship shall be jointly owned by the husband and wife:

(1) Wages and bonuses;

(2) Income from production and operation;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 18 of this Law;

(five) other property that should be owned by * * *. Husband and wife have equal rights to dispose of all property.

Article 18 In any of the following circumstances, it shall be the property of one of the spouses:

(1) one party's premarital property;

(2) Medical expenses, living allowance for the disabled, etc. Obtained by one party due to physical injury;

(3) Property determined to belong only to the husband or wife in the will or gift contract;

(4) Daily necessities used exclusively by one party;

(five) other property that should be owned by one party.

3. Article 19 A husband and wife may agree that the property acquired during the marriage relationship and the property before marriage shall be owned by themselves, in whole or in part, or in part. The agreement shall be in writing.

Where there is no agreement or the agreement is unclear, the provisions of Articles 17 and 18 of this Law shall apply. The agreement between husband and wife on the property acquired during the marriage relationship and the property before marriage is binding on both parties.

The husband and wife agreed that the property acquired during the existence of the marriage relationship should be owned by each other. If the third party knows the agreement, it should pay off all the property owned by the husband and wife.

Baidu encyclopedia-loan to buy a car