Generally, the down payment ratio of car mortgage is not less than 30% of the car price, and the down payment of a car of about 200,000 yuan should be not less than 20× 30% = 60,000 yuan: 1. Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as automobile mortgage. 2. If you have real estate and other collateral as collateral for a loan to buy a car, or if you don't have real estate to find someone to guarantee for you, the guarantor must have a fixed job. If you have a fixed job and a stable income, you can provide your own income certificate and your credit history is good; 3. Then, your car loan down payment need not be as much as 30%, which can be reduced by 65,438+00 percentage points, that is, the down payment will reach 20%.