Take the Toyota Yaris L Zhixuan 1.5E CVT Champion Limited Edition as an example. The car price of 107,282 yuan is calculated based on a down payment ratio of 30% and a repayment period of 3 years. The down payment (down payment + necessary expenses + commercial insurance) is 47,282 yuan, and the 36-month payment is 1,846 yuan. The total car purchase cost is 113 yuan, 730 yuan, which is 6,448 yuan more than the full amount. The interest rate for a three-year ordinary loan is 5.15%. Interest = principal × interest rate × term, so 100,000 * 5.15% * 3 = 15,450 yuan; for a provident fund loan, the annual interest rate is 2.75%, 100,000 * 2.75% * 3 = 8,250 yuan. Closer to home, the monthly car loan amount has nothing to do with the car model and car price, but has to do with the financial institution and loan interest rate. There are many car loan calculators online. Enter the amount of loan you need and the interest rate of the lending institution and the monthly repayment amount will come out.