Yes. Generally, vehicle mortgage loans from banks require a down payment of more than 20%. The loan term is generally 2-4 years, and the principal and interest are repaid every month according to the bill amount. When reviewing a loan, the bank will also investigate your repayment ability to see if you are able to repay the monthly mortgage payment. The bank requires that your monthly income must be twice your mortgage repayment. In this case, the bank will give you a loan.