Legal analysis: Generally speaking, college students can't borrow money to buy a car. The main reason is that there is a fixed job and a stable source of income, and there is no repayment ability. Banks don't accept loans from college students to buy cars. If you are a graduating college student, that's another matter, because you had an internship at that time and had a source of income.

What are the general requirements for applying for "personal vehicle loan"?

1. Age18-60;

2. Good credit information;

3. Have a fixed job and work in the current unit for 1 year;

4. Have a stable income, and can provide a punch card flow for nearly 6 months;

5. The purchased vehicle is a domestic minibus with a local license;

From the above conditions, it can be seen that the loan to buy a car requires a lot of borrowers, and the condition 1 is the age limit that college students can meet; The second condition is the requirement of credit information. If college students don't use credit cards and there is no record in the credit report, it is not easy to apply for loans. The third condition is the need of work. College students have no fixed jobs, which does not meet this requirement. The fourth condition is the requirement of income. Even if college students don't have part-time income, they are unstable and can't provide wage flow.

The conditions required for loan car purchase include the borrower's identity card or household registration book and other identification materials; The borrower's credit record in the credit information system of China People's Bank is good, and there is no bad or malicious overdue record; Have a stable source of income, and can provide proof of bank running water or salary.

Article 669 of the Civil Code

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.

Article 670

The loan interest shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.

Article 67 1

If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Legal basis: Article 669 of the Civil Code.

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.

Article 670 of the Civil Code

The loan interest shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.

Article 67 1

If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 34 of our country stipulates that the following properties can be used as collateral:

1. Houses and other fixed objects on the ground owned by the Mortgagor;

2. Machines, vehicles and other property owned by the mortgagor;

3. State-owned land use rights, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;

4. State-owned machinery, vehicles and other property in the collateral that the mortgagor has the right to dispose of according to law;

5. The land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer;

6. Other properties that can be mortgaged according to law.

Non-mortgaged property

(1) Land ownership:

(2) The right to use collectively-owned land, such as cultivated land, homestead, private plots and private hills, except as provided for in Item 5 of Article 34 and Paragraph 3 of Article 36 of this Law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(six) other property that may not be mortgaged according to law.