1. If a husband and wife repay a car loan together, do both parties need to sign to sell the car?

Whether it is repaying a car loan or selling a car or buying a car, there is only one owner of the car. The legal meaning is that when everyone repays the car loan or obligation together, the only factor that both husband and wife can give the credit institution to consider is your mutual repayment ability, and it only requires the signature of the car owner.

2. Does a car loan require signatures from both spouses?

Buying a car mortgage does not require both spouses to sign at the same time. One spouse can apply or both spouses can apply. Both spouses need to prepare the application materials of both spouses. If one party applies, the other party’s information can be used as a reference. The applicant is The main repayer.

Mortgage car purchase operation process:

The borrower selects a car at a bank's authorized dealer and signs a car purchase agreement or contract;

The borrower applies to the lending bank Personal car mortgage loan;

Prepare the documents required for the loan;

Sign the contract after investigation and approval;

Go through car notarization, mortgage and other procedures;

The bank handles the loan;

After the loan is paid off, the pledge certificate is canceled and returned to the customer.

3. Does a car loan require the signature of both husband and wife?

Buying a house after marriage does require both husband and wife to sign a loan, but not for a car, because the car is a consumer product, so it does not need to be Signed by husband and wife.

You should pay attention to several issues when paying to buy a car:

1. Payment method;

2. Cash is relatively simple and all you need is your ID card. There is a car purchase price;

3. Loan procedures must be completed first. Total down payment = down payment, insurance fee, license fee.

4. Does a car loan require the signature of both husband and wife?

A car loan requires the signature of both husband and wife. This will be judged based on the actual situation. If a husband and wife apply for a car loan together, then when signing the car loan contract, both husband and wife need to be present to sign, and they cannot be absent or sign on their behalf. But if one spouse applies for a car loan, then both spouses do not need to sign, as long as the borrower himself signs. Because now car loans are allowed for married people to apply separately in their own names, not necessarily as husband and wife. 1. Conditions that need to be met when applying for a car loan: 1. In terms of age, you must be at least 18 years old, men must be no more than 65 years old, and women must be no more than 60 years old; 2. In terms of work, you must have a stable job and income. When buying a car, you should consider the monthly repayment pressure. Generally speaking, the monthly repayment amount of a car loan should not exceed half of your salary; 3. In terms of credit, the applicant and his or her spouse must have a good credit record. There is a bad credit record, but if you have made on-time repayments in the past one or two years, it will not be a big problem; 4. Applicants need to provide proof of residence or real estate. 2. After the car loan is paid off, you need to go through the mortgage release procedures. 1. After paying off the last monthly payment, the borrower should go to the lending institution with the loan contract and ID card to go through the loan settlement procedures and get back the motor vehicle registration certificate. 2. The borrower and the loan institution staff should go to the local vehicle management office with relevant information to handle the vehicle release. The required information includes: identity certificate of the motor vehicle owner and mortgagee, motor vehicle registration certificate, and loan settlement certificate; if the people's mediation, ruling, or judgment is made to cancel the mortgage, the motor vehicle owner or mortgagee shall confirm the application information, Submit the motor vehicle registration certificate, the effective mediation letter, ruling or judgment issued by the people, and the corresponding enforcement assistance notice. 3. After arriving at the vehicle management office, find the corresponding window, fill out the mortgage release application form, and submit it to the vehicle management office staff to handle the relevant cancellation procedures. The vehicle management office shall review the submitted certificates and vouchers within one day from the date of acceptance, and endorse the content and date of mortgage release registration on the motor vehicle registration certificate. If the certificates or vouchers submitted by the motor vehicle owner or mortgagee are invalid, or the motor vehicle is sealed or detained by the supervisory authority, people's procuratorate, or administrative law enforcement department in accordance with the law, the mortgage release registration will not be processed. 4. After the mortgage release procedures are completed, the borrower gets back the vehicle ownership certificate. Legal basis: Article 33 of the "Motor Vehicle Registration Regulations" applies for cancellation of mortgage registration, the owner of the motor vehicle and the mortgagee must apply together, confirm the application information, and submit the following certificates and vouchers: (1) Machine Identity certificate of the motor vehicle owner and mortgagee; (2) Motor vehicle registration certificate. If the people mediate, rule or make a judgment to cancel the mortgage, the owner of the motor vehicle or the mortgagee shall confirm the application information, submit the motor vehicle registration certificate, the effective mediation letter, ruling or judgment issued by the people, and the corresponding notice of assistance in execution . The vehicle management office shall review the submitted certificates and vouchers within one day from the date of acceptance, and endorse the content and date of mortgage release registration on the motor vehicle registration certificate.

Article 9 of the "Car Loan Management Measures" A borrower applying for a personal car loan shall meet the following conditions at the same time: (1) Be a citizen of the People's Republic of China, or have resided continuously in the territory of the People's Republic of China for more than one year (one year inclusive) residents and foreigners of Hong Kong, Macao and Taiwan; (2) Individuals with valid identity certificates, fixed and detailed addresses and full capacity for civil conduct; (3) Individuals with stable legal income or sufficient repayment of loan principal and interest Legal assets; (4) Good personal credit; (5) Ability to pay the down payment stipulated in these Measures; (6) Other conditions required by the lender. Article 1064 of the "People's Liberation Army and Civil Code of the People's Republic of China" Article 1064: Debts borne by both spouses with the same signature, or with subsequent ratification by one spouse, etc., as well as debts incurred by one spouse during the marriage relationship. Debts borne by individuals for the daily needs of the family are joint debts of husband and wife. Debts borne by one spouse in his or her own name during the marriage that exceed the daily needs of the family are not joint debts of the couple. However, this is excepted if the creditor can prove that the debt is used for the husband and wife's daily life, joint production and operation, or based on the mutual consent of the husband and wife.