Legal analysis: you can't borrow money to buy a car in the name of your wife. This inconsistency between lenders and owners is basically rejected by formal lending institutions. Because the loan for buying a car is in my own hands, but the Green Paper is mortgaged to the lending institution, the lending institution must ensure that the owner and the lender are consistent, otherwise it is easy to steal other people's information loans. If the husband and wife jointly sign a loan, the lending institution will also verify the identity information and credit history of the husband and wife.

Legal basis: Article 12 of the Interim Measures for the Administration of Personal Loans requires borrowers to apply for personal loans in writing, and requires borrowers to provide relevant information that can prove that they meet the loan conditions.