Hello, this is actually extremely bad for you. This is you helping others "lift the car". First of all, if there is a traffic accident, the owner should bear the responsibility. This has nothing to do with whether you write an agreement or notarize it. According to the law, it is illegal for you to do so. If you borrow money, the owner is naturally you. The responsibility is naturally yours, and writing an agreement cannot go beyond the law. In other words, it doesn't matter if you scratch. If there is a serious traffic case, and friends don't pay (or can't afford to pay), it must be that you pay the victim in full. Whether there is an agreement or not has nothing to do with this. If there is an agreement, at most, you can compensate the victim before investigating his responsibility, but the owner is still you, and it is harmful for you to obtain evidence in court. Besides, the loan is for you. If you have a bad repayment record (even if you forget to pay it once), it will be a heavy blow to your personal reputation in the future. If you want to do something else, all bank searches will find your bad record. And if he doesn't want to pay back the money, don't drive away or sell it, the bank will blame you! I suggest you think it over before you decide. This situation is actually not good for you. It's not that you don't help your friends, it's a disaster. If something really happens, you will be in trouble. Think about it.

I suggest you contact a lawyer for consultation. You can't afford much cost.

I hope I can help you.