The conditions for buying a car with zero down payment are: you must be over 18 years old, provide a certain guarantee, and family members need to be present.

1. The borrower should be over 18 years old and have a household registration in this city and a fixed residential address. In order to confirm that the lender has a certain repayment ability, the lender also needs to have a stable job.

2. Certain guarantees should also be provided, such as a pledge recognized by the bank or a third-party guarantee. Usually, the third party is a person or entity with the ability to repay the loan. When the lender cannot repay the loan, the third party is jointly and severally liable for the repayment.

3. If a couple or family members are purchasing a car, the family members must be present at the same time. If they are not present, they need to submit a signed power of attorney.

Notes on buying a car with zero down payment

1. If the car buyer uses a car dealer or an intermediary agency to advance the car, he should beware of the car dealer raising the price or Intermediaries increase handling fees and interest rates. In this regard, car buyers can understand the market price of their target vehicle before buying a car, and when buying a car, negotiate the price with the car dealer before stating that they are buying the car with a loan.

2. If a car buyer purchases a car with a real estate mortgage loan, the main risk is to pay off the loan on time to prevent the bank from eventually realizing the mortgage rights, resulting in the transfer of property rights. If the car buyer pays for the car by cashing out a credit card, he should pay attention to paying off the excess amount according to the credit limit and the prescribed period, otherwise he may incur large amounts of interest.