For the base model
X4 2019 , whose price is
₹ 79.37 Lakh, you will need to do a down payment of
₹ 19,35,570. One generally gets a loan for a 100% ex-showroom value of the car. The remaining money is required to be paid upfront as down-payment. Your EMI amount will be
₹ 1,44,976 for a 5 years loan.