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I bought a car with my father's house mortgage. Can you wait for the bus to be settled and ask my father's permission to be my name ~!
You don't need anyone's house as collateral, as long as your father signs the loan contract as your loan guarantor.

Specifically, the bank still deducts money from your account, not from your father's account, so just ask your father to transfer money to your account every month.

Collateral is not a house, but a car you bought. This car doesn't belong to you, but to the bank. After paying off, the mortgage can be lifted, and if it is unable to repay, the bank has the right to take back the vehicle.