For qns 2
How u know is down payment

Because downpayment is simply a term for advance payment of a certain sum.

Basically in downpayment, you pay a sum upfront, while the remaining sum is paid at other times, often in installments.

‘Deposit’ is just another name for downpayment, because placing a deposit for the item means you must hand over that sum of money upfront to enjoy the use of the item.