You can take the car to slawa road or industrial area for computer checking. They can easily find that there is anything wrong . You can get checked with persons in the workshop also. they can easily rule out if the car is met accident and damaged. Even u can get the service history from the current owner and can approch the service center ,so they will give you some details. Regarding bank loan. The current owner to clear or to handover the existing loan before transfering the ownership.

Hope that this may help you