Ranging from 20% to 50%. Some bank loans generally require a down payment of 40%-50%. If your loan conditions are good, the down payment can be 30%, which is also the most common down payment ratio at present. For some auto financing companies, the minimum down payment can reach 20%. Since 20 15, the People's Bank of China has stipulated that the down payment ratio of car loans and personal loans is more than 20%(20%). If a car is 654.38+10,000 yuan, the down payment for car loan must be at least 20,000 yuan. But the down payment of different models, different years and different versions is different. When buying a car with a loan in a 4S store, the down payment is generally 30%. Usually people will choose 36(3 years) car loan products, and the loan interest will fluctuate between 5% and 8%. If there is a real estate license and collateral as collateral and there is a stable source of income, in this case, the down payment is not 30%, and the down payment ratio can be reduced by 10%, that is, the down payment is 20%. Car dealers or car loan agencies outside have a lower down payment threshold, so they can achieve "zero down payment" and "zero interest". However, it needs to be clear that these offers are not free. In fact, in order to attract more customers, dealers and manufacturers will put down their loans first and then get them back from consumers in other ways. Of course, through this kind of loan, they will find that the interest rate is higher than that of the bank. The down payment for car purchase also includes car insurance, vehicle purchase tax, license fee and other expenses. Take the car of about 6.5438+10,000 yuan as an example. If you buy vehicle insurance from a 4s shop, it will cost 6000 yuan more than before, and the vehicle purchase tax will cost about 8500 yuan, and the license fee will be 350 yuan. These expenses add up to 15000 yuan. Therefore, when choosing car loan products, you need to know which items need to be charged separately to avoid unnecessary losses. Million car purchase subsidy