4-6 monthly installments less / year. is the flat market rate. this is how rental car owners deal among each other. depending on condition.
example .
a person deposited 200k for a cultus , and got it out @ 30,000 a month . used a year , and then wants to resell...
total he paid , 200k + 360,000 = 5,60,000 he would loose atleast 120,000 and at the most 180,000 ( if the condition wasnt good) .
so its time you DO the MATH.