1, buying a car by stages generally requires the signature of both husband and wife. If the vehicle is purchased during the marriage, unless the husband and wife have an agreement and clearly indicate to each other that the vehicle belongs to the husband and wife. Of course, the lender wants to confirm that the husband and wife are in the same debt through the signature of both husband and wife, and the husband and wife will repay together.

2. Legal basis: Article 1064 of the Civil Code of People's Republic of China (PRC).

The debts incurred by both husband and wife after the same signature or ratification by one party, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife.

Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.

Second, what should I pay attention to when buying a car in installments?

1, the loan amount should be clear;

2. Apply for a loan after the documents are complete;

3. Pay attention to credit review. When considering the borrower's repayment ability, the bank will comprehensively consider the real estate status, income, occupation, credit record, and even industry and education of the loan purchaser to judge the borrower's loan qualification;

4. Pay attention to the repayment method and loan term.