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%.

Among them, for the scope of vehicles that implement the new energy vehicle loan policy, all financial institutions can implement it on the basis of the Measures for the Administration of Automobile Loans, in accordance with the principles of voluntariness, prudence and risk control, and with reference to the Catalogue of Recommended Vehicles for the Promotion and Application of New Energy Vehicles issued by the Ministry of Industry and Information Technology.

Extended data:

The relevant requirements for auto loans stipulate that:

1. Effectively strengthen the whole process management of auto loans, strengthen the pre-loan review, and constantly improve the customer credit evaluation system to ensure that the first repayment source of loans can completely cover the corresponding principal and interest.

2. Continuously strengthen the accumulation of residual value experience data, implement the prudent evaluation policy of collateral value, and improve the collateral value evaluation system; Improve the loan classification system, strengthen the monitoring of non-performing loans, and make corresponding provisions in full.

Notice of the central people's government and other two departments on adjusting the relevant policies on automobile loans