The regulations on loan to buy a car are strict, and the loan qualification is usually directly related to the owner. If the applicant is husband and wife, you can use * * * to apply for repayment, but this does not mean that the lender and the owner can be separated. The whole car loan process is as follows:

First of all, car buyers need to choose a car, fill in the application form and credit questionnaire for car consumption loans, and attach personal identification, such as ID card, household registration book, copy of marriage certificate, income certificate, bank statement, copy of real estate license and other necessary documents.

After receiving the application, the bank will conduct a detailed pre-loan review of the applicant, including credit evaluation and loan qualification review. After approval, the bank will guide the borrower to fill in the loan contract, guarantee contract and mortgage contract, and go through the formalities of mortgage registration and vehicle insurance.

Once the loan is approved, the borrower needs to pay the down payment to the car dealer, and then pick up the car with the bank's car bill and passbook. In this process, the identity of the lender and the owner must be the same, and they both bear the loan responsibility for car purchase.

Therefore, under certain circumstances, such as husband-wife relationship, the lender who lends money to buy a car must be the owner himself or the same borrower, but the core principle is that the loan qualification should be consistent with that of the car buyer.