1. The lender and the owner of a car must be the same person, that is, the main borrower must be the same person, because the owner of the vehicle is both a lender and a bank during the loan period. After the bank cancels the loan, you are free to add your name, because cars are commodities, just like real estate, and couples or others can add their names. But adding a name is a common relationship, not your own.

Second, the column of "owner's name" in motor vehicle driving license is not just a question of name. The owner registered in the driving license is the legally recognized owner of the vehicle, and he has the right to legally use and dispose of the property. In case of traffic accidents, economic disputes, etc. He is also the legal responsibility bearer. For insured motor vehicles, if there is a traffic accident within the scope of insurance liability, the insured can only claim compensation if he holds a motor vehicle driving license.

Legal basis: Before the establishment of Article 405 of the Civil Code of People's Republic of China (PRC), if the mortgaged property has been leased or transferred, the original lease relationship will not be affected by the mortgage.