Under normal circumstances, whoever borrows money will write his own name, so you can't write someone else's name when you borrow money to buy a car. Because the license plate belongs to the owner, the traffic police team is very strict in this respect now.

The process of formal bank handling is as follows: first, the borrower needs to submit a series of materials to the bank except the ID card: loan application form, personal income certificate, personal property certificate, personal bank card current account certificate, good credit record and repayment willingness. Then the bank signs a contract with the borrower and then lends money by transfer.

Conditions for loan processing: Age: 22-60 years for men and 22-55 years for women.

1: Work in this unit for more than 3 months (after probation).

2. The pre-tax income of monthly salary is above 5,000 (if you have applied for a credit card in the bank and have a bank credit record, you can relax it to above 3,000).

The salary is paid by the bank in the form of punching, not in cash.

4. Issue the salary list printed by the salary bank and the work certificate of the employer.

What should I pay attention to when buying a car with a loan:

1. When all formalities are completed and the car is ready to be picked up, the car dealer requires the consumer to pay a certain amount of cash on the basis of the original car payment before picking up the car. The dealer will give many reasons, such as the price increase of the car during the full payment period, or the failure to complete some formalities within the specified time. Don't be fooled by them.

2. Remind you that before buying a car, you must choose and understand the formal automobile sales and automobile finance guarantee companies to handle the business in automobile mortgage, and conduct on-the-spot investigations to get to know the reputation and strength of the mortgage and sales companies through various channels.

At present, some car dealers take advantage of consumers' lack of legal knowledge to deceive consumers into signing blank contracts. However, after the completion of consumer loan procedures, when consumers saw the credit contract, they found that the loan amount was different from the previously promised price.

4. At present, some dealers have introduced interest-free car loans to attract customers. The actual discount may not be as affordable as expected, because they will charge a certain handling fee while being interest-free, and the cost of this procedure may be similar to the interest, so it is necessary to carefully screen the car according to the actual situation.

5. Because the owner of the car is not an individual consumer until the loan is settled, in order to reduce the risk, the dealer will generally put forward some auto insurance that must be purchased as the loan condition in the car loan contract.

Can I write someone else's name on the loan to buy a car? I will pay back the money.

You can't write other people's names. The owner must be a lender, because during the loan period, some people are lenders and banks, and the registration certificate needs bank mortgage. After canceling the loan with the bank, they are free to add their own names, because cars are commodities, just like real estate, and couples or others can add their own names. But adding a name is * * * related, not your own.

According to the summary of the conditions of major banks, the general conditions for mortgage car purchase are:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Extended data

Mortgage car purchase process

1. Lead the customer to the bank's special dealer to choose a car and sign a car purchase agreement or contract;

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

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles;

5. Lenders (banks) handle loans;

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

References:

Baidu encyclopedia-mortgage to buy a car

Can I use someone else's name for the car loan?

You can write someone else's name when you borrow a car, but the borrower who applies for a car loan must have the same name as the owner. If the loan applicant writes someone else's name, it is equivalent to your car name. Moreover, if someone else's name is written on the loan to buy a car, the person who writes the name will bear the corresponding debts arising from the loan, and others may not be willing to cooperate. In this case, you'd better write your name.

Extended data

Loan to buy a car

The basic conditions for buying a car with a loan mainly include the following:

1./kloc-a natural person aged 0/8 (inclusive) with full capacity for civil conduct.

2 have a stable and legitimate source of economic income, and have the ability to repay the loan principal and interest on schedule.

3. Personal credit is good, and there are no bad records or serious negative information in the credit report (banks and auto consumption finance companies will mainly inquire about the credit information of customers in the past two years).

4. Have a certain amount of self-owned funds to pay the car down payment (not loans or funds obtained through credit cards), and the down payment ratio is generally around 20% or 30% of the total car price, usually not less than 20%.

The process steps of loan to buy a car mainly include:

1. The customer selects and orders the car, signs a car purchase agreement with the car dealer, and pays the deposit.

2. Prepare personal ID card, bank account, car purchase agreement and other materials to apply for car loan at the bank (auto consumption finance company) business outlets, collect the application form at the counter to fill it out, and then hand the completed form together with the materials to the staff.

3. After the bank (auto consumption finance company) accepts the application, it starts to sort out the information, carries out the examination and approval, and informs the customer as soon as the examination and approval result comes out.

4. After receiving the notice, the approved customer will sign the loan contract at the outlet within the agreed time, handle the vehicle mortgage and other related procedures, pay the down payment at the 4S shop, and then wait for the loan.

5. The loan funds are paid to the account. After the 4S shop receives the final payment, the customer can take the personal ID card to pick up the car and give the car a license. Then, remember to repay the car loan in installments on time according to the repayment plan agreed in the loan contract. After the car loan is settled, the customer can apply for the loan settlement certificate, get back the vehicle registration certificate, and then go to the vehicle management office to understand the mortgage procedures.

Can I write someone else's name on the invoice of mortgage, car purchase and car purchase?

It is not impossible to mortgage, buy a car, buy a car invoice, and write someone else's name. But whose name is written on the invoice represents who is the owner. You used the mortgage to buy a car with someone else's name on the invoice. Write someone else's name when registering the vehicle. In other words, you will no longer be the owner of the car you bought. The name written on the invoice is the owner.