“The bigger your down payment, the lower your monthly payments will be.”

English Lesson: The bigger your down payment, the lower your monthly payments will be.

Your nephew is thinking about buying a car. He asks you for advice about getting a loan. You recommend he pay as much up-front as he can.

The bigger your down payment, the lower your monthly payments will be.

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the (more/less) (something), the (more/less) (something)

When two different number or amounts are connected to each other and change together, you can talk about them like this:

The harder you work, the better you get.

The more he talks, the less I like him.

The faster you drive, the greater chance that you get into an accident.

a down payment

When people buy expensive items like cars and houses, they often borrow money from a bank to pay for them. However, they can't borrow all of it. They have to pay for part of it with their own money first. This money that you pay at the beginning is called a "down payment".

How much was the down payment on your house?

monthly payments

When someone borrows money, they usually pay back the loan in "monthly payments". Monthly payments are the money that you have to pay each month.

The monthly payments on my car are about three hundred dollars.