Changan Lumin downpayment and monthly installment 2026
With a 20% downpayment of ₱159,800, the Changan Lumin L (₱799,000) works out to about ₱13,904 a month for 60 months. The table shows other downpayment and term combinations.
Source: IC Automotive Inc. (Inchcape Philippines). Last verified .
Monthly installment by downpayment and term
L variant, ₱799,000. Average of lenders' published rates.
| Down payment | 12 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|
| 10%₱79,900 | ₱63,513 | ₱33,472 | ₱23,477 | ₱18,548 | ₱15,642 |
| 20%₱159,800 | ₱56,456 | ₱29,753 | ₱20,869 | ₱16,487 | ₱13,904 |
| 30%₱239,700 | ₱49,399 | ₱26,034 | ₱18,260 | ₱14,427 | ₱12,166 |
| 50%₱399,500 | ₱35,285 | ₱18,596 | ₱13,043 | ₱10,305 | ₱8,690 |
Monthly figures are estimates, not loan offers. They use the published rates of 6 lenders as of 13 November 2026. Your rate, fees and approval depend on the lender or dealer.
Lender comparison
Estimated monthly for the L over 60 months, lender by lender. Where a lender requires a higher minimum down payment, that minimum is used.
| Lender | Down payment | Monthly | Total interest | Rate verified |
|---|---|---|---|---|
| Bank of CommerceBankCom Auto Loan (brand new) | ₱159,80020% | ₱13,588 | ₱176,080 | 13 November 2026 |
| East West Banking Corporation (EastWest)EastWest Auto Loan (brand new) | ₱159,80020% | ₱13,875 | ₱193,300 | 13 November 2026 |
| Metropolitan Bank & Trust Company (Metrobank)Metrobank Car Loan | ₱159,80020% | ₱13,878 | ₱193,480 | 13 November 2026 |
| Bank of the Philippine Islands (BPI)BPI Auto Loan (Passenger Car, brand new) | ₱159,80020% | ₱13,957 | ₱198,220 | 13 November 2026 |
| Rizal Commercial Banking Corporation (RCBC)RCBC Auto Loan Plus (brand new, free car insurance) | ₱159,80020% | ₱13,957 | ₱198,220 | 13 November 2026 |
| Rizal Commercial Banking Corporation (RCBC)RCBC Regular Auto Loan (brand new) | ₱159,80020% | ₱13,957 | ₱198,220 | 13 November 2026 |
| Security BankSecurity Bank Car Loan (brand new) | ₱159,80020% | ₱14,118 | ₱207,880 | 13 November 2026 |
| China Banking Corporation (Chinabank)Chinabank AutoPlus (brand new) | ₱159,80020% | Rate not published | 13 November 2026 | |
| Philippine Savings Bank (PSBank)PSBank Auto Loan with Prime Rebate | ₱159,80020% | Rate not published | 13 November 2026 |
Lumin loan calculator
Change the price, down payment, term or lender to see your own numbers.
- Amount financed
- ₱639,200
- Total interest
- ₱195,040
- Total cost (down payment, instalments and fees)
- ₱994,040
- Cash needed up front
- ₱159,800
- Add-on rate for the term
- 30.51%
Estimate only, not a loan offer. Rate source: Average of Bank of Commerce, Bank of the Philippine Islands (BPI), East West Banking Corporation (EastWest), Metropolitan Bank & Trust Company (Metrobank), Rizal Commercial Banking Corporation (RCBC), Security Bank, verified 13 November 2026. Insurance, registration and chattel mortgage fees are extra unless stated.
Questions and answers
How much is the Changan Lumin in the Philippines?
The Changan Lumin has a suggested retail price of ₱799,000, according to IC Automotive Inc. (Inchcape Philippines) as of 14 November 2026. Dealer prices and available units may differ.
How much is the downpayment and monthly installment for the Changan Lumin?
With a 20% downpayment of ₱159,800 on the ₱799,000 base price, the estimated monthly installment is ₱13,904 for 60 months. This uses the published rates of 6 lenders as of 13 November 2026 and is an estimate, not an offer. Your actual terms depend on the lender or dealer.
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About ₱13,904 a month
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