Car loan calculator
Annuity scheme: the payment is the same every month. A bank's real terms may include fees and insurance — the calculator does not account for those.
How to read the calculation
An annuity means the payment never changes: at first most of it goes to interest, closer to the end — to the principal. The overpayment is the difference between all payments and the amount you actually borrowed.
The larger the down payment and the shorter the term, the smaller the overpayment. Banks often add a one-off origination fee and mandatory comprehensive insurance — add those to the result manually when planning your budget.