The down payment for a 200,000 car is more than 30%, which is 80,000 yuan. The monthly payment for a two-year loan is 6,174, the monthly payment for a three-year loan is 4,228, and the monthly payment for a four-year loan is 3,262. If a bank-approved mortgage or pledge is provided or a bank or insurance company provides a joint liability guarantee, the borrower's income must be at least 20% of the total value of the car, that is, 40,000 yuan, and the car or real estate can be used as collateral. , the borrower needs to pay 30% of the total value of the car, that is, a down payment of 60,000 yuan. To buy a car with a third-party guaranteed loan, the borrower's down payment amount needs to be at least 40% of the total value of the car, that is, 80,000 yuan. Down payment, the full name of down payment, refers to the first payment made by the buyer to the seller based on a certain proportion of the amount of the securities transaction when purchasing bulk commodities such as houses and cars. This amount is used to express the buyer's sincerity. As one of the conditions for loan issuance, once the down payment is paid, it is not refundable under normal circumstances, unless there is a special agreement between the buyer and the seller or there are special circumstances stipulated by law. Before paying the down payment, the home buyer should carefully read the terms of the contract. , clarify your rights and obligations.