If you can't afford to buy a car by mortgage: 1, if you really can't afford to repay, negotiate with the lending institution to extend the repayment period or repay it in installments; 2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement; 3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.