If someone borrows money to buy a car in my name, how can I be excused? I can entrust a lawyer to write for me. Pay attention to the payment of relevant insurance. Otherwise, as the nominal owner, you have to bear the responsibility.

How can I waive the loan to buy a car for others? The signing of the agreement is valid. Hello, as long as it is in your name and without the consent of the creditor, it is invalid for you to sign the agreement privately, and the repayment is yours.

Should I get a loan to buy a car? Application conditions for mortgage car purchase: valid identity certificate and full capacity for civil conduct; Can provide fixed and detailed address proof; Have a stable job and the ability to repay the loan principal and interest on schedule; Personal social credit is good; Holding a car purchase contract or agreement approved by the lender; Other conditions stipulated by the cooperation organization.

My friend bought a car in my name. What can I do to avoid the exemption clause? The best way is to transfer the ownership quickly. If my answer is helpful to you, please set it as the best.

How about buying a car with a loan? Let's talk about bank loans first. Its advantage is a wide range of loans and no other related expenses. Consumers can go to the bank to apply for a loan after choosing the car they want to buy, but only for the car that cooperates with the bank. The disadvantage of bank loans is that the qualification examination process of bank loans is complicated and the procedures are cumbersome, and some real estate such as real estate and vehicle registration certificates need to be provided as collateral. In addition, the time period of bank loans is also long. Besides, auto financing company loans, compared with bank loans, the advantages of auto financing company loans lie in the diversification of financial products, the loan process is more concise, it can be directly handled through 4S stores, and the review time is shorter. You can pick up the car as soon as possible, but like a bank loan, you need a mortgage vehicle registration certificate. Moreover, auto financing companies can only choose brand-related models for loans, and the interest rate is relatively high. Finally, credit card installment, compared with the above two ways, the advantage of credit card installment is that the approval is fast and the procedures are relatively simpler. Users only need to provide a credit card with a good record during use, or apply for a special bank car loan card. After the approval, the bank will increase the applicant's credit line to the corresponding loan line, and users only need to swipe their cards to buy a car. However, the credit card limit will depend on the individual's credit situation, and the threshold is relatively high, which requires a certain handling fee, but it is usually zero interest.

Buying a car with a loan can ease the economic pressure. When the funds are insufficient to buy a car in full, buy it in advance and enjoy it in advance. Generally speaking, when you buy a car in 4S, the salesperson can help you introduce the loan process. At present, there are about three ways: 1, and the car dealer pays by installment. Some brand car dealers will have their own financing companies to provide car loans to prospective car owners, such as Toyota Finance, which is generally not a banking business. Car dealers can give you one-year installment payment, which means interest-free, but they will charge a one-time handling fee, similar to one-year loan interest. If you need to repay in advance, this method is not cost-effective; 2. Credit card installment repayment: Some bank credit cards can be used to buy a car, and installment repayment can be set, but there are not many models that can be purchased, which are interest-free but also require a handling fee; 3. Bank loan: In this case, it depends on the loan method of each bank. A) Mortgage method: Generally, real estate is used as mortgage, and the loan period is generally five years at the longest. The loan amount is generally 50-70% of the assessed value of the collateral (depending on the collateral) and 70-80% of the car value. B) Guarantee method: Generally, it is guaranteed by a guarantee company (a guarantee company designated by the bank). In addition to the guarantee fee, the bank also pays the loan interest, and the purchased car is mortgaged to the guarantee company. Moreover, the guarantee company will charge a deposit of 3,000-5,000 yuan, and also require your car to be equipped with GPS to track the whereabouts of the car at any time. The GPS fee is about 3,000 yuan, and this method can only be used for 3 years. C "personal or legal person guarantee. At present, few banks accept such guarantees. Please consult your local bank for details.

Material 1, personal loan application form, used for loan car purchase procedures; 2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided; 3. Household registration certificate or long-term residence certificate; 4, personal income certificate, provide proof of family income or property when necessary; 5. Certificate of intention to buy a car issued by the car dealer; 6. Proof of down payment for car purchase; 7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc. 8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet; 9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a car purchase intention certificate and a vehicle evaluation report issued by an evaluation agency recognized by the bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

How to borrow money to buy a car 1? Apply. After you are optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.

2. The bank conducts pre-loan investigation and approval. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms.

3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.

4. The bank issues loans (the bank transfers money directly to the car dealer's account). 5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

I want to get a loan to buy a car. I have 4W in my hand and need a loan of about 7W. How can I get a loan? If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. Please dial 95555 at 8:30- 18:00, select "2 manual service-"1"personal banking-"4 "personal loan business, and enter the manual service to provide loans.

What should I do if I want to get a loan to buy a car? How can I borrow money to buy a car? There is no money to buy a car in full now! It is very popular to borrow money to buy a car now. Generally speaking, the conditions and procedures for buying a car by loan are as follows. The basic process of handling car loan is: 1. Choose products that need auto loans; 2. Apply for universal car loan packages and services on the spot according to your own situation; 3. The staff should review and approve the loan; 4. The store signed a contract to pick up the car; The information to be provided is: 1, the original ID card, household registration book or other valid proof of residence, and provide its copy; 2. Proof of occupation and economic income; 3 car purchase agreement, contract or letter of intent signed with the dealer; 4. Other materials required by banks or lending institutions.

A friend asked me to help him buy a car. If he runs away, what responsibility should I take?

Responsibility depends on the situation. For example, if your friend borrows a loan to buy a car, you guarantee that if your friend fails to repay the loan, the bank will contact you to help you find him. If you can't find him, the bank will let you repay the loan after a certain period of time. If something happens, it is recommended to consult a lawyer, who will tell you what to do. Do what? The above are personal opinions and are for reference only.

Third, how to help others guarantee to buy a car to avoid responsibility?

The car guarantor should pay attention to the following points: familiarity with the other party, whether the financial ability can repay the loan, whether he will suddenly leave his job, home address and identity information, etc. In order to prevent the loan from being repaid immediately after signing the letter of guarantee, the guarantor shall bear the repayment responsibility.

Guarantee is the responsibility of guarantee, such as borrowing money to buy a car. If the owner doesn't pay and return the car, as a guarantee, he must pay this part of the money, and the guarantor has the responsibility to pay it.

Fourth, how to avoid accountability after guaranteeing others.

People's Republic of China (PRC) Guarantee Law

Article 16 The guarantee method is:

(1) general guarantee;

(2) Joint and several liability guarantee.

Article 17 If the parties agree in the suretyship contract that the surety shall bear the suretyship liability when the debtor fails to perform the debt, it is a general suretyship.

The guarantor of a general guarantee may refuse to undertake the guarantee liability to the creditor before the main contract has been tried or arbitrated and the debtor's property has been enforced according to law.

Under any of the following circumstances, the guarantor shall not exercise the rights specified in the preceding paragraph:

(a) the debtor's domicile has changed, and the creditor has great difficulty in asking him to perform his debts;

(2) The people's court accepts the bankruptcy case of the debtor and suspends the execution procedure;

(3) The guarantor waives the rights stipulated in the preceding paragraph in writing.

Article 18 Where the parties agree in the suretyship contract that the guarantor and the debtor shall be jointly and severally liable for the debts, it is a suretyship of joint liability.

If the debtor of joint and several liability guarantee fails to perform the debt at the expiration of the debt performance period agreed in the main contract, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.

In your question, you said that "the guarantor signed the guarantee without knowing it". Is this ignorance unaware of the benefits of the guarantee, or is it cheated?

If you don't know the benefits of guarantee, then you don't know the law, and you will bear legal responsibility if you don't know the law.