Husband and wife have loans and do not need each other's ID cards. They can make money together to repay the loan. A couple can also earn money by themselves and take care of their children by themselves. Anyway, the family loan is a joint debt of husband and wife.
Two, a husband and wife in foreign loans to buy a car, the need for loan information needs to be provided by the other party. ...
Common property, all property after marriage belongs to common ownership.
3. Is the husband and wife obliged to repay the loan and buy a car?
Legal analysis: I have obligations, so it is the same system, so I assume joint and several liability for repayment by taking responsibility, that is, whether the two parties are divorced or not, I will pay off part or all of the debts of one spouse's personal property, and when one spouse's property is insufficient for repayment, the other party will assume joint and several liability for repayment.
Husband and wife's joint debt refers to the debt incurred to meet the needs of husband and wife's common life, which is mainly based on the management, use, income and disposal of husband and wife's joint property. Joint debts of husband and wife also include debts arising from joint operation of husband and wife, that is, debts arising from industrial, commercial or rural contracted operations, debts arising from investment or other financial activities, and taxes arising from these aspects. Joint operation includes the investment, production and business activities jointly undertaken by husband and wife, and also includes the situation that one of the husband and wife is engaged in production and business activities but the benefits are shared by the family. From the perspective of protecting creditors, creditors do not lose their importance because of the divorce agreement between debtors.
Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC), if it is ratified by the husband and wife afterwards, other debts shared by the husband and wife to meet the daily needs of the family during the marriage relationship are joint debts of the husband and wife; But the creditor can prove that the debt is expressed based on the common will of both husband and wife.
4. What procedures should I sign to buy a car with an individual?
All kinds of formalities that need to be handled after buying a car.
1, industrial and commercial verification
Bring two car purchase invoices, the owner's ID card and the factory certificate of the car. The company must also go through the industrial and commercial verification procedures with the legal person code certificate and affix the verification seal. There is no charge for industrial and commercial verification.
Step 2 get a mobile card
Unlicensed vehicles can't go on the road. After verification, go to the local traffic brigade to apply for a vehicle moving license (3 yuan handling fee is required). Vehicles leaving Beijing must go to the inspection site to check their vehicles and apply for a temporary license before they can go on the road.
Step 3 Pay the purchase surcharge
Cars are high-end consumer goods, so you must also pay the purchase surcharge at the vehicle purchase surcharge collection management office designated by the transportation department.
Purchase surcharge = purchase price/1 1.7
Information to be prepared when paying taxes:
Two originals and two copies of the invoice;
B 1 original and photocopy of certificate;
C 1 original and photocopy of id card.
D. Obtain the payment voucher and payment receipt of vehicle purchase surcharge:
4. Insurance
The accident rate is high, and it is easy to bring harm to yourself and others. Therefore, buying a new car must be insured with third-party liability insurance. There are many kinds of vehicle insurance. Please refer to the introduction of auto insurance for details. Usually, 4S stores have one or several cooperative insurance companies.