Recently, the news that the down payment ratio of car loans is expected to be lowered has attracted many people's attention. 20 16, many people want to buy a car of their own. Some people will choose to buy a new car, while others will choose to buy a used car. So, what is the minimum down payment for a new or used car? According to the opinions issued by the People's Bank of China, banking financial institutions are encouraged to appropriately reduce the down payment ratio of new energy vehicles and used cars on the premise of controllable risks, but this policy has not been implemented, so the minimum down payment for loans to buy new cars and used cars remains the same as before. According to the "Measures for the Administration of Automobile Loans", the amount of automobile loans granted by lenders shall not exceed 80% of the price of automobiles purchased by borrowers; The second-hand car loan amount shall not exceed 50% of the price of the car purchased by the borrower. This means that the minimum down payment for buying a new car and a used car is 20% and 50% respectively. If the down payment ratio of loan to buy a car is reduced, I believe more people will come to borrow money to buy a car, which will be welcomed by the general public, thus stimulating consumer demand and stimulating economic growth.