The criterion for judging who the car belongs to is mainly whose name the car belongs to. Generally, the name on the lender and the vehicle registration card is the name when the vehicle is registered. That is to say, legally speaking, the car belongs to the lender.

Lenders may have many problems if they don't master the car;

1. Responsible for repayment. If you don't repay, you will be liable for breach of contract and your credit rating will be lowered. It will be difficult to get a loan in the future.

2. If the car violates the rules and causes accidents, even major accidents, the owner must bear the responsibility.

3. Assuming that the car is sold or hidden by the actual owner, the lender assumes all repayment obligations.

It is suggested to handle the problem well, or transfer the ownership to the owner's name, and the owner will pay for it, or the lender will directly own the car.