According to the information of the query network, new energy vehicles can be purchased by mortgage. The People's Bank of China and the China Banking Regulatory Commission promulgated the newly revised Measures for the Administration of Automobile Loans, which made it clear that the maximum loan ratio for self-use new energy vehicles was 85% and that for commercial new energy vehicles was 75%. The maximum loan ratio for self-use traditional power vehicles is 80%, and the maximum loan ratio for commercial traditional power vehicles is 70%; The maximum loan ratio for self-use new energy vehicles is 85%, and the maximum loan ratio for commercial new energy vehicles is 75%. The proportion of second-hand car loans is up to 70%. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.