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If both of them are black households, do they need to sign an agreement to buy a car with a loan from their relatives?
Need.

If the "owner" (the registered person) goes back on his word, it may lead to the loss of money and car. If the registrant has foreign debts, the car can also be regarded as the property of the registrant and enforced by the court. If the license plate is registered successfully, the registrant can also sell or scrap the car. There are also risks for the front-end people. First of all, if a vehicle has an accident, although the actual owner of the vehicle is driving, the vehicle registrant must bear the liability for compensation. Secondly, if the actual car buyer fails to repay the loan on time, the credit of the named person will be damaged. In addition, the registrant also bears the risk of administrative punishment in terms of vehicle violation points and fines. Therefore, it is still necessary to act in accordance with the law and regulations, and never take advantage of the so-called "loophole." At the same time, this agreement will be notarized to ensure the legal effect.