The monthly repayment is about 2500. Car down payment is 20%-50%, and general banks require 40%-50%. Some car dealers can find some financing companies to achieve 20% or even lower.

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.