There is no zero down payment for car purchase, and the minimum down payment is 15%.

According to the newly revised Measures for the Administration of Automobile Loans issued by the central bank in 2065438+2008+ 1, the proportion of traditional self-use allocation is 80%, and the proportion of new self-use allocation is 85%, which means that the minimum down payment is 15%~20%.

Due to the credit crunch, the down payment ratio of people's car loans has increased from 20% to 30%~40%, and some banks even require 40%~50%, but some car dealers claim that they can achieve 20% or even lower through some financial companies.

Extended data:

According to "

Article 9 A borrower applying for an individual car loan shall meet the following conditions:

(1) People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year);

(2) Having effective identification ability;

(3) Having a stable legal income or sufficient income;

(4) Personal credit is good;

Down payment;

(6) Other conditions required by the lender.

Article 10 When granting personal car loans, the lender shall comprehensively consider the following factors and determine the loan conditions such as loan amount, term, interest rate and repayment method:

(a) the lender's credit rating of the borrower;

(2) Loan burden

(three) the performance and use of the purchased car;

(four) the development of the automobile industry and the supply and demand of the automobile market.

Article 11 A lender shall establish a borrower's credit file, which shall include the following contents:

(1) The name, address, valid identification and effective contact information of the borrower.

(2) The income level and credit status of the borrower

(three) the purchase agreement, car model, engine number, frame number, price and purpose of the purchased car;

(4) Amount, term, interest rate,

(5) loan collection records;

(six) other information needed to prevent loan risks.

Twelfth in addition to the personal business content issued by the lender, the commercial vehicle operation qualification certificate and the annual inspection of commercial vehicles should be added to the borrower's credit file.