You can't write other people's names. The owner of the car must be the lender, because the co-owners of the car are the lender and the bank during the loan period, and the registration certificate should be mortgaged by the bank. After canceling the loan with the bank, they are free to add their names, because cars are a commodity, just like real estate, and couples or others can add their names. But adding a name is a common relationship, 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 customers to choose cars at special dealers of banks and sign car purchase agreements or contracts;

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.

Reference: Baidu Encyclopedia-Buying a Car by Mortgage