You can get a loan if the car is not in your own name. If you don’t have a car, you can also apply for a loan using someone else’s car, but you must obtain the consent of the car owner. When using a car in someone else’s name for a mortgage loan Be sure to pay attention to the relevant procedures and prepare some corresponding information in advance. In addition, the choice of lending institution is also a very important step. You must choose a suitable and reputable lending institution to have peace of mind and peace of mind.

1. Loan conditions refer to the conditions that a borrowing unit or individual should meet to borrow money from a bank. The current loan conditions of the bank are:

(1) The company is established with the approval of the competent department, holds a business license issued by the industrial and commercial administration department at or above the county level, and must obtain a production license for products that are subject to the national industrial product production license. License, that is, the loan recipient should have legality;

(2) Implement independent economic accounting and have autonomy in capital utilization and production and operation management, that is, the loan recipient has obtained legal person status and assumes clear economic responsibilities ;

(3) Have a certain amount of own working capital and establish a working capital supplement system, that is, the loan recipients should have the ability to operate normally and bear risks;

(4) In Open a bank account and submit financial accounting statements and statistical data to the bank on time, that is, the loan recipient should accept the supervision of the bank.

2. Conditions for applying for a loan to buy a house:

1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan and foreigners are also acceptable).

2. Have a stable career, stable income, and the ability to repay loan principal and interest on schedule.

3. The borrower’s actual age plus term should not exceed 70 years old.

4. Have legal and valid contracts and agreements for the purchase, construction, and overhaul of housing, as well as other supporting documents required by the lending bank.

5. Have self-raised funds of more than 30% of the total price of the house purchased (for those who purchase self-occupied houses with a floor area of ??less than 90 square meters, the self-raised funds ratio is 20%), and guarantee A down payment for a home purchased.

6. With assets recognized by the lending bank or (and) a legal person, other economic organization or natural person with sufficient solvency as a guarantee.