Legal analysis
To apply for a personal credit loan, the required conditions are: 1, and the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; 2. Personal credit status is good; 3. The borrower's monthly income is not less than 4,000 yuan, and he has repayment ability; 4. Submit the relevant application materials, and the bank can have a loan amount of 5-8 times the monthly income after approval. Traffic accidents seriously interfere with social order, and also damage the safety of others or their own lives and property. Especially drunk driving should be punished. Therefore, drunk driving or drunk driving with a criminal record may affect the behavior of buying a house with a loan in the future. For example, drunk driving constitutes a traffic accident crime and is sentenced to fixed-term imprisonment. After receiving the notice of recovery, it is a serious traffic dishonesty. If it is recognized by the bank as a serious traffic breach of trust, it will be difficult to approve the bank loan when buying a house in the future, because the bank has records and will refer to relevant data. Drunk driving may lead to some civil liabilities. Drunk driving is an important cause of traffic accidents, and drunk driving is prohibited. If there is a traffic accident, whether the traffic police department drinks and drives is an important indicator to measure the responsibility of the accident. If a traffic accident causes property losses to the victim, it shall compensate the victim for the corresponding direct and indirect losses in accordance with relevant regulations. The infringer's fault is an important reference for the calculation of mental damage compensation. If it is a traffic accident caused by drunk driving, this part of the cost is obviously heavier than the accident caused by non-drunk driving.
legal ground
Criminal law of the people's Republic of China
Article 115 Whoever sets fire, breaks water, explodes, releases toxic, radioactive, infectious disease pathogens and other substances, or causes serious injury, death or heavy losses to public or private property by other dangerous means, shall be sentenced to fixed-term imprisonment of not less than 10 years, life imprisonment or death. Whoever negligently commits the crime mentioned in the preceding paragraph shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; If the circumstances are minor, they shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention.
Article 133 Whoever, in violation of traffic regulations, has a major accident, causing serious injury or death to others or causing heavy losses to public or private property, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention; Whoever escapes after a traffic accident or has other particularly bad circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; Whoever escapes and causes death shall be sentenced to fixed-term imprisonment of not less than seven years. Article 133 (1) Whoever drives a motor vehicle on the road under any of the following circumstances shall be sentenced to criminal detention and fined: (1) Chasing for racing and the circumstances are bad; (two) drunk driving a motor vehicle; (three) engaged in school bus business or passenger transport, seriously exceeding the rated passengers, or seriously exceeding the prescribed speed; (4) transporting dangerous chemicals in violation of the provisions on the safety management of dangerous chemicals, which endangers public safety. Motor vehicle owners and managers who are directly responsible for the acts mentioned in the third and fourth paragraphs of the preceding paragraph shall be punished in accordance with the provisions of the preceding paragraph. Whoever commits the acts mentioned in the preceding two paragraphs and constitutes other crimes at the same time shall be convicted and punished in accordance with the provisions of heavier punishment. Article 133 bis Whoever uses violence against the driver of a moving public transport or seizes the driving control device to interfere with the normal operation of public transport and endanger the safety of public transport shall be sentenced to fixed-term imprisonment of not more than one year, criminal detention or public surveillance and shall also, or shall only, be fined. If the driver of the preceding paragraph leaves his post without permission on public transport, fights with others or beats others, thus endangering the safety of public transport, he shall be punished in accordance with the provisions of the preceding paragraph. Whoever commits the acts mentioned in the preceding two paragraphs and constitutes other crimes at the same time shall be convicted and punished in accordance with the provisions of heavier punishment.