Legal analysis: the state has not stipulated the standard of liquidated damages for automobile loans overdue, and the standard of liquidated damages in loans overdue is generally determined according to the following factors: (1) Both parties have an agreement on liquidated damages for overdue payment: according to the principle of autonomy of contractual parties, both parties have agreed on the calculation method of liquidated damages in the contract, which should be generally followed if it does not violate the legal provisions. (two) the parties have no agreement on the liquidated damages for overdue payment, and the parties have no claim to support it; If the parties claim, the liquidated damages shall be calculated according to the interest rate of similar loans of the People's Bank of China in the same period.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 577? If one party fails to perform the contractual obligations or fails to meet the contractual obligations, it shall be liable for breach of contract, such as continuing to perform, taking remedial measures or compensating for losses.

Article 578? If one of the parties expressly expresses or shows by his own behavior that he will not perform the contractual obligations, the other party may request him to bear the liability for breach of contract before the expiration of the performance period.

Article 579? If one party fails to pay the price, remuneration, rent and interest or fails to perform other monetary debts, the other party may request it to pay.

Article 584? If one party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the agreement, thus causing losses to the other party, the amount of damages shall be equivalent to the losses caused by the breach of contract, including the benefits that can be obtained after the performance of the contract; However, it shall not exceed the losses that the breaching party foresaw or should have foreseen when concluding the contract.