Both cars are good enough and offer good build quality. As both the selected are cars are of different fuel type the basic selection of can be done on the usage basis. If you are better power performance with better fuel efficiency and daily usage is more than 50-60 km and often travel on highways, you may go for Skoda Rapid Ambition TDI. On the other hand, the Volkswagen Vento would be a great pick if your daily usage is less and want a smooth driving experience. Apart from it, Volkswagen Vento offers a comparatively better feature list at a price as compared to Rapid. You may compare both the cars according to their variants. Do take a test drive in order to clear your all doubts. Check out authorised dealership details.
In general, the down payment remains in between 20-30% of the on-road price of the vehicle, and ROI varies between 9.25-11.5% and it totally depends on the CIBIL/Credit score of an individual. Here considering the top-selling variant 1.0 TSI Highline (Petrol) of Vento, the EMI would be around Rs 18,008 per month where ROI is 9.8% and with a loan period of 5 years on a downpayment of 300000/-. For an idea of EMI, you can click on the link and can apply filters according to your need. Moreover, for the exact EMI details, we would suggest you exchange your words with the nearest dealership as they have a separate department for finance - Car Showrooms.
For the availability, we would suggest you walk into the nearest dealership as they will be the better person to assist you because it depends on their stock book. You can click on the following link to see the details of the nearest dealership and selecting your city accordingly - Car Showrooms