Today evening, booked an Emotion 1.3 MJD (Exotica red) at RDC fiat. I have been finally offered 7.63L on road after so much of dicussions (Note that I am very poor at bargaining). I am the first one to get a car in my family and have no prior experiences or knowledge. Not sure if I should have bargained for more. No matter, I am just waiting for the delivery date after the loan processing. The SA told me that I will get a call tomorrow from the dealer for the further loan processing. They have offered me the below accessories. Absolute mud flop (on demand) Absolute floor mats (on demand) Car cover (need to make sure that I will be getting a TYVEK car cover) Discounts Insurance: 26816 Cash offer:25k Corporate discount : 5k Free RSA for 3 years Extended warranty: 6629 Apart from this, I have requested the SA replace the body colored door handle with chrome handle (which I loved much personally). He checked with other guy and he promised me that he can change this during delivery. I asked about how long it is going to take to get the VIN. He replied that I can get only after the full payment. I doubt that if it is true. Can any one comment on this? I am planning to get SBI car loan for only 3 lakhs. Because I wanted to finish it asap may be 2 year. Because I m planning to buy a flat 2 years down the line. So I dont want to disturb that by opting a long loan tenure. So my doubts are, If I go for loan, should I pay the down payment to bank or dealer? (SA says it is dealer) Is it just enough to produce the proforma invoice to the bank to get a loan for 3L or the bank needs the receipt for the remaning payment to the dealer? Is it true that the dealer can give the VIN only after the full payment? Will it be possible to hold the partial payment till the PDI? and finally I have very less knowledge about the cars and its technical things, will there be anyone from TFI can assist me during the PDI.