In that case, you'd better not buy it. Better let him return the money to the bank. If your friend has no money to repay, you can help him pay back the down payment to the bank, then transfer the vehicle to your own name, and then go through the bank mortgage formalities yourself. It doesn't matter. If you follow your friend's method, you have to pay back the money. The car is not yours yet, and it is more troublesome for your friend to deal with the violation.