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首付 (shǒufù) is used in everyday conversation to refer to a down payment. For example, when buying a house, a buyer may need to make a 首付 (shǒufù) to secure the purchase. It is also used when talking about car loans, where the buyer needs to make a 首付 (shǒufù) to secure the loan. In other contexts, it can refer to any kind of initial payment that is made to secure a purchase or loan.
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