If a car doesn't pay the down payment, you can choose to buy the car in full or apply for a refund. However, if the mortgage fails for personal reasons, you need to deduct a certain penalty to get a refund. The specific amount is subject to the contract.

Automobile mortgage process is as follows:

The customer chooses a car at the bank's special dealer and signs a car purchase agreement or contract;

The borrower applies to the loan bank for personal automobile mortgage;

Sign the contract after investigation and consent;

Go through the formalities of notarization and mortgage of automobiles;

Lenders (banks) handle loans;

After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.