There is a lot of room to choose from around 400,000. To put it simply, those who pay attention to brand can consider the beggar version of Mercedes-Benz GLK and BMW x1 and Audi q5. Those who pay attention to space can consider Hyundai Gree and Kia. The Ba Rui and Dodge's Coolway (3.6 four-wheel drive version), Ford's Edge (3.5 version is recommended, the 2t version does not have four-wheel drive, which may cause trouble in some road conditions), and the Pajero Jinchang, which focuses on off-road performance, is definitely the first choice (of course You can also consider the Middle Eastern version of Prado), those who pay attention to function and performance can consider the modern new Santa Fe (imported version), and those who pay more attention to individuality can consider the low-end Cadillac SRX. The specific choice depends on what the author pays attention to, but My suggestion is that although I don’t know where the poster is from, it is still best to choose a four-wheel drive SUV. Don’t be cheap and choose an SUV without four-wheel drive function. Sooner or later, that thing will cause trouble in use (more obvious on the ice and snow roads in the north). Regarding the loan issue, there are calculators everywhere on the Internet, and there are several different loan methods. This one should be developed by the author himself.