Under normal circumstances, it is impossible.
If a child has poor credit, can't borrow money and wants to borrow money in the name of his parents, then parents need a stable source of income to support repayment. If parents' monthly income is not enough to support monthly repayment, they can also try to apply for a loan if they have a house and a car.
It should be noted that when a bank or financial company issues a car loan, the lender and the owner must be the same person. If you buy a car in the name of your parents, the owner will usually write your parents' names. If you want to write the child's name, you need to wait until the loan is paid off. In addition, if parents don't have a driver's license, the bank may not approve the loan.
If the child has a bad credit record, but does not reach the level of "three consecutive tired six", he can also try to apply for loan installment from banks, auto financing companies and companies.
In the case of good personal credit information, if you want to apply for a loan from a bank or financial company, you need the lender to provide the following information:
1. Personal identification: ID card, residence permit, household registration book, marriage certificate, etc.
2. Proof of stable address: real estate license or house lease contract, water and electricity bill, etc.
3. Proof of stable source of income: labor contract, bank statement, etc.
4. Other information stipulated by the bank.
Can I secretly mortgage my parents' car? Mortgage a car without the owner's consent
It's no good taking parents' car loans secretly. If the car is not mortgaged in my name, it must be approved by the owner. Mortgaging another person's vehicle to another person without the owner's consent may have constituted a crime, and the owner's losses need to be compensated accordingly. As for how long the sentence should be, it depends on the actual situation of the case.
Mortgaging another person's vehicle without authorization, which is characterized as "and the value of the vehicle reaches" extremely large amount ",can be punished or fined for more than 10 years. The public security organ needs to recover the mortgaged vehicle and return it to the owner. The owner should call the police in time, investigate the criminal responsibility of the other party, and actively contact the case-handling organ to recover his vehicle.
Apply for a mortgage loan in the bank with your parents' car, as long as you meet the conditions. For the specific handling process, the borrower shall meet the following conditions:
1. The borrower needs to take the service to the relevant unit and make a notarization together;
2. The borrower is a China citizen aged 18 to 60 with full capacity for civil conduct; Have permanent residence or valid residence status in the city where they live; Only when you have a stable job and income and the ability to repay the principal and interest of the loan on time can you apply for a mortgage loan;
3. When a borrower borrows a loan from his parents' car, he needs to issue a written commitment that his parents agree to apply for a loan with the borrower's car as collateral, and ask his parents, spouse or other property owners to sign it.
4. The borrower needs to issue personal ID card, household registration book, income certificate, bank flow certificate, and parents need to provide ID card, household registration book, marriage certificate, real estate license and other supporting materials.
Can I mortgage the car in my parents' name?
If you use your parents' car as a mortgage, this is not possible. In whose name is the vehicle registered? Someone must have handled it. For example, the landlord said that his parents' car, he came forward, and this is not a mortgage loan. It's about taking a bus. It doesn't matter, as long as you provide proof of relationship. It's ok, but this kind of loan is not formal.
Legal basis:
Article 490 of the Civil Code of People's Republic of China (PRC): If the parties conclude a contract in the form of a contract, the contract is concluded when the parties sign, seal or fingerprint it. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.
A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.
How do parents mortgage their cars?
Apply for a mortgage loan in the bank with your parents' car, as long as it meets the conditions. The borrower needs to meet the corresponding requirements of the specific handling process.
Requirements to be met:
1. Require the borrower to bring his parents to the relevant units for entrusted notarization.
2. There are three basic requirements for the borrower: a China citizen aged 65,438+08 to 60 with full capacity for civil conduct, a permanent residence or valid residence status in his city, a stable occupation and income, and the ability to repay the loan principal and interest on schedule.
3. Ask parents to issue a written commitment of the borrower to apply for a loan with his car as collateral, and ask parents and their spouses or other property to sign it.
4. Ask the borrower to provide the ID card, household registration book, marriage certificate, income certificate and bank account of both husband and wife, and also ask the parents to provide ID card, household registration book, marriage certificate, real estate license and other supporting materials.
Can I borrow money to buy a car in my father's name? Just do this step.
After entering the society, many young people will consider buying their own car as a means of transportation for daily travel. However, for many people, they use the family car more. Although it is used for daily travel, it is still registered under its own surname. Can I borrow money to buy a car in my father's name? Just do this step well!
Can I borrow money to buy a car in my father's name?
If the car that the borrower wants to apply for mortgage is in his father's name, he can also apply for a loan. In fact, the most important thing in vehicle mortgage loan is the owner's consent. As long as the person registered in the Green Paper agrees and fills in the loan agreement, the bank will pass the loan approval and then lend money.
Outside the forest, the borrower needs to take his father to the relevant units for notarization, and also needs to meet these conditions: a citizen of China who is at least 18 to 60 years old and has full capacity for civil conduct; Have permanent residence or valid residence status in the city where they live; Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule.
Automobile mortgage application process: provide loan applications to lending institutions and submit corresponding qualifications; The lending institution conducts home visits, surveys and estimates on the applicant's vehicle value and repayment ability; The lending institution initially reserves the loan amount; Handling the entrusted notarization of mortgage cancellation right; Lending institutions temporarily withhold the applicant's driver's license, insurance policy and other documents; Go to the vehicle management office for mortgage registration; make a touch
If the borrower wants to change the owner after applying for a car mortgage, it is not allowed. Because after applying for automobile mortgage, the owner only has the right to use the vehicle, and the ownership of the vehicle still belongs to the lending institution.
The above is the sharing of "Can a car be loaned in the name of my father?". I hope it will help everyone!
Can my son get a credit card with the car mortgaged by his parents?
Yes, children can use their parents' cars to apply for mortgage loans in the bank, as long as they meet the conditions. If the borrower needs to take his parents to the relevant units, they should be notarized together. For borrowing money ...