20 17 1 1.8, the central bank and the China Banking Regulatory Commission issued and revised the Measures for the Administration of Automobile Loans, with the highest proportion of loans for self-use traditional power vehicles being 80% and commercial traditional power vehicles being 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%. This notice shall come into force as of 20 18 1.

Financial institutions should reasonably determine the specific proportion of auto loans according to the borrower's credit status and repayment ability, combined with their own auto loan policies, risk prevention and control and other factors; 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; Continuously strengthen the accumulation of residual value experience data, implement the prudent evaluation policy of collateral value, and improve the evaluation system of collateral value; Improve the loan classification system, strengthen the monitoring of non-performing loans, and make corresponding provisions in full. The same is true if you buy an accident car.

In addition, for accident vehicles, Article 55 of the Law on the Protection of Consumer Rights and Interests stipulates that if an operator commits fraud in providing goods or services, it shall increase the compensation for the losses it has suffered according to the requirements of consumers, and the amount of compensation shall be three times the price of the goods purchased by consumers or the cost of receiving services; If the increased amount of compensation is less than that of 500 yuan, it shall be 500 yuan. So you can file a claim.