First of all, you are in stages. You can't just buy strong insurance. There are some restrictions. You must pay all the insurance, purchase tax and vehicle inspection, because you only paid 20,000 yuan. I don't know which bank you are paying in installments. Is this Chery Finance? The minimum down payment is 30%. Do it yourself 57800 New Fengyun 2+ All Risks+Purchase Tax+Vehicle Inspection The rest depends on how many years you have been with us. We in Chery Finance can pay 1~5 years' interest, and there is also a China Construction Bank. There is no interest, but there is a handling fee. Of course, it is collected according to the year of annual loan.