Buying a car according to the loan requires a down payment of 895 14 yuan and a monthly payment of 45 15 yuan (36 months).

The total cost is 252,054 yuan, which is more than the full car purchase 15, 540 yuan.

In other words, your monthly payment is 4500 yuan. The monthly car consumption is about 3000 yuan (oil plus tolls). Under normal circumstances, if you run a lot, you will be insured for 400-500 yuan every month, which means you have to spend at least 8,000 yuan on the bus every month.