1. The conditions for buying a car by mortgage are as follows:

(1) has 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.

2. Legal basis: Article 11 of the Measures for the Administration of Automobile Loans

The lender shall establish the borrower's credit file. The borrower's credit file shall include the following contents:

(1) The name, address, valid identification and contact information of the borrower;

2 proof of the borrower's income level and credit status;

(three) the purchase agreement, car model, engine number, frame number, price and purpose of the purchased car;

(4) The amount, term, interest rate, repayment method and guarantee of the loan;

(5) loan collection records;

Other information needed to guard against loan risks.

Second, what materials do you need to buy a car mortgage?

1, ID cards of myself and my spouse;

2. Personal and spouse's household registration book;

3. Marriage certificate;

4, I and my spouse's income certificate;

5. Real estate license;

6. driver's license;

7. Details of the bank statement in the name of the individual.