What is the cost breakdown when buying a second hand car on bank loan? Do seller/dealer collect the 1st instalment and charge GST? Is there a dealer admin fee or bank processing fee? or any other "hidden" cost? Example: Purchase Price 90K, Bank loan 60K ([email protected]%), Down-Payment 30K; what is the expected breakdown and total cash upfront? Transfer fee and Insurance not included. Appreciate your help and contributions for us first timers. Thank you.