I am the mortgage lender of ICBC! Let me help you answer this question. If you are in or around Hangzhou, you can make a down payment of 30% (that is, 70% of the loan). If the price of your bare car is 1 10000, you can get a loan of 77000, with a monthly repayment of 24 17 (roughly/basically the same).

Next, calculate how much money you have prepared for the whole car: car price down payment of 33,000 yuan+purchase tax of 9,400 yuan+insurance of 5,800 yuan+licensing fee of 300 yuan+mortgage fee of 3,350 yuan+nothing else = car payment of 5 1.850 yuan (after paying these, you can repay on time every month, and nothing else).