It is impossible to buy a car with zero down payment. I let someone else's wife pretend to be my wife to answer the phone, and I should bear legal responsibility. According to relevant public information, helping others answer the phone and pretending to be his wife to verify the information loan requires legal responsibility. If the other party is suspected of fraud, he commits the crime of loan fraud. The crime of loan fraud (article 193 of the Criminal Law) refers to the act of fabricating false reasons such as introducing funds and projects, using false economic contracts, false certificates, using false property rights certificates as guarantees, repeatedly guaranteeing beyond the value of collateral, or defrauding banks or other financial institutions of loans and large amounts in other ways. The crime of loan fraud belongs to a kind of financial crime.