Before marriage, the man pays for a car and writes the woman's name, that is, the car loan is separated from the owner, which is generally inseparable. On the one hand, such an application may greatly reduce the probability of loans from lending institutions, on the other hand, it may lead to the suspension of supply or mortgage of other people's cars.

After marriage, a person can borrow money to buy a car. This situation belongs to an individual applying for a loan to buy a car, and the car does not belong to the property of both husband and wife. Another way to buy a car after marriage is for both husband and wife to apply for a loan to buy a car, which requires both husband and wife to sign together and become the repayment person.

It should be noted that if an individual applies for a loan to buy a car, the credit information of both husband and wife will also affect the loan. If the lender has good credit information, but the husband and wife have bad credit information, the lending institution may also refuse to apply.

Basic conditions for applying for a loan

1, and the age should be between 18-60;

2. A third-party natural person may provide guarantee for repayment of loan principal and interest. It should be noted that husband and wife cannot guarantee each other;

3, a fixed source of income and the ability to repay the principal and interest, and the monthly repayment amount shall not exceed 60% of the total disposable family;

4. During the loan period, the motor vehicle consumption loan guarantee insurance must be insured in a lump sum by an insurance company recognized by the bank, and motor vehicle insurance must be insured continuously.