First of all, the lender should be at least 18 years old and have a local hukou. In order to confirm that the lender has certain repayment ability, it is also necessary for the lender to have a stable job. In addition, certain guarantees, bank-approved pledges or third-party guarantees should be provided. Usually, the third party is a person or unit with repayment ability. When the lender fails to pay off the loan, the third party shall be jointly and severally liable for repayment. If couples or family members buy a car, family members must be present at the same time. If they are not present, they need to submit a power of attorney with seal and signature. In addition, the specific circumstances should also be submitted in accordance with the provisions of the relevant banks.