If the term is divided, the shorter the term, the less the handling fee, and the longer the term, the higher the handling fee. The down payment is usually 30% of the car payment, but you still need to calculate the purchase tax and vehicle insurance when you go on the road, so generally 50% of the car payment is enough for you to drive away, which means that if the car you buy is 65,438+10,000, you need to prepare 50,000 for use, 30,000 down payment, 8,500 purchase tax and 6,000 insurance, and the rest can be used for spare decoration.