Generally, the down payment is 324,000 yuan and the loan is 56,000 yuan, which will be repaid in two years. The monthly payment is 2,334 yuan, and the handling fee is 56,000 times the rate. The installment is zero interest, but the bank will reduce the customer handling fee according to a fixed proportion, depending on how the bank and the region stipulate it.

The minimum down payment is 20%. The People's Bank of China stipulates that the down payment ratio of individual car loans and car loans shall not be less than 20%. However, due to the credit crunch during the year, some banks in Shanghai have increased the down payment ratio of personal car loans from 20% to 30%-40%.

How to calculate the car down payment;

The car down payment is calculated as a percentage of the bare car price. For example, a car with a price of 65,438+10,000 yuan (bare car price), 30% down payment is 30,000, and 40% down payment is 40,000.

At present, the down payment ratio when buying a car is generally 30%, and consumers can also choose a lower 20% down payment or a higher 40% or 50% down payment; These can be freely chosen according to the cash on hand.