Legal analysis: you can repay the bank regularly. The car bought by the loan is broken, which will not affect the legal effect of the loan contract signed with the bank, and the remaining money will still be paid back on time. A loan contract refers to an agreement that a financial institution, as a lender, accepts the borrower's application, provides loans to the borrower, and the borrower repays the loan principal and pays the loan interest at maturity. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Legal basis: Article 574 of the Civil Law of People's Republic of China (PRC) stipulates that if the loan term is less than one year, it shall be paid off when the loan is returned; If the loan term is more than one year, it shall be paid at the end of each year; If the remaining term is less than one year, it will be repaid together with the loan.