The down payment of a car 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) has a down payment of 30% of 30,000 yuan and a down payment of 40% of 40,000 yuan.

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.

The down payment for car purchase includes other charging items:

Automobile insurance, vehicle purchase tax, license fee, etc. A car with a car price of about 654.38+million, if you go to a 4s shop to buy vehicle insurance, you need 6,000 yuan more than this, the vehicle purchase tax is about 8,500 yuan, and the license fee needs 350 yuan, which totals * * * 15,000 yuan.

Therefore, when handling the car loan business, it is best to know the details of the loan to buy a car first, which can effectively avoid some charging routines/traps.