No problem, but the bank depends on whether your income level can meet the loan repayment requirements, not just the loan repayment ratio; Under the condition that you meet the loan conditions, the general income requirement (total household income) should be twice the monthly payment+car loan. If you are working-class, your income certificate and bank statement should show that your income is twice as much as your monthly payment (if you own real estate, it will be easier to borrow a lot, and your views are not so strict). If it is an enterprise legal person or a shareholder, the income certificate can be higher, and the bank flow does not need to match very well. Procedures: 1. Contact the bank or finance company for pre-examination; Secondly, if you can, you can prepare materials in person according to your qualifications (such as ID card, household registration book, marriage certificate, real estate license, income certificate, bank account, etc.). ); Thirdly, after the face-to-face signing, waiting for approval, after the approval, you can pay the down payment, and the car dealer can go through the formalities of invoice, licensing and mortgage; Finally, the car can be picked up by collecting loan information (car purchase invoice, purchase tax invoice, insurance policy and invoice, etc.). ) Lend money from the car dealership to the bank.