The down payment and monthly payment of 0.2 million/200 thousand naked cars should be calculated comprehensively according to the down payment ratio and loan term. For example, the down payment ratio is 30%, the loan period is 24 installments in two years, the down payment is 85,393 yuan, and the monthly payment is 6,246 yuan, with a total cost of 235,297 yuan.

Compared with buying a car in full, buying a car in full is naturally converted from the final cost price, because you have to pay interest for buying a car in full, and the final cost is definitely higher than buying a car in full, depending on the down payment ratio and loan term.

But for many families, it is difficult to pay hundreds of thousands of dollars to buy a car. Even if it can, the quality of life after buying a car will definitely be greatly affected. Therefore, loan to buy a car has become a popular way. As long as you have a fixed job and a stable income, even if you spend more money, it will not immediately cause a great burden on your life.

Matters needing attention when buying a car are as follows:

1. Confirm purchasing power:

Determine the purchasing power, and buying a car will not affect the overall quality of life of the family. Generally, according to the average income of the family in the past three years, 20% of the family in the past three years will be taken out, but it will not exceed 10% of the family's fixed assets.

2. Key points:

For family cars, the most important thing is safety, followed by economic applicability, because the safety of cars carries the life of a family, so safety is the top priority.

3. On-site confirmation:

According to the above two steps, basically determine several models to buy, and personally go to the 4s shop for on-site confirmation, including test drive, inquiry, loan situation, maintenance and other related information.