Down payment: 73,025 yuan (total down payment = down payment+necessary expenses+commercial insurance+loan difference).
The loan amount is120,000 yuan (cash car purchase-car price down payment, then rounded off).
repayment period
Monthly payment in 36 installments for 3 years: 3,692 yuan (monthly interest rate of bank loans: 5.85% for 6 months, 6.57% for 1 year, 6.75% for 2 years, 6.75% for 3 years and 6.93% for 5 years).
The total car purchase cost is: 20592 1 yuan, which is more than the full amount 12896 yuan.