Xz Now Chery and BYD both pay 20% down payment. If you buy a car of 30,000-40,000 yuan, I suggest that you don't pay by installment, because you have to buy all the insurance in installments for several years, and you have to pay a handling fee of about 5,000-7,000 yuan to the bank, which means that you still need to pay a down payment of about 30,000-40,000 yuan+1.5W insurance premium. If this is calculated in three years, it is not clear whether the bank handling fee can be reduced. +Bank handling fee 1W "China Bank has to install GPRS positioning navigation 3000"+something with a license of about 3000. This is all the expenses. If you think it is suitable, thank you for your adoption.