There is a down payment of 0, but you must have your identity information, income security information and other support for the audit. It's not the real 0 payment, but the discount from the merchant is given to the bank as a guarantee, and you still have the full loan. For example, the guide price of a car is 654.38+ 10,000 yuan. If you don't choose zero down payment, the merchant may give you a discount, 80 thousand yuan will do, but if you borrow money, there will be no discount and a lot of money. In addition, there are expensive procedures. At least 3000 cases, and this 3000 must be paid in cash. And as a car with a down payment of 0, you must buy all insurance. For example, a car with 65,438+10,000 yuan is about 5,000 yuan (this piece must be cash or credit card), so cash must be prepared with 65,438+10,000 yuan. And you won't be given more than two years, two years at the most. Take a 7.5% commercial loan as an example, the interest is about10.5 million yuan, and the monthly repayment is about 4,800 yuan.