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@tp243 I was in the same situation as you two months ago. Here is what I did Bought a Skoda Kushaq for rs. 16 lakh on road price. Paid rs. 10 lakh as down payment. Balance 6 lakh has been converted into a 4 year EMI I.e. rs. 15000 per month. In effect, I will be paying only rs. 120,000 extra...