If the 3-year auto loan interest rate is calculated at the annual interest rate of 6.4% stipulated by the central bank,

Matching principal and interest repayment: monthly payment: 3978.43 yuan; Principal and interest: 143223.5637 yuan; Interest: 1.4 million yuan.

There may be differences in interest rates between different banks, but they are all for this little money.

Supplementary information:

1, the interest of car loan = loan amount, loan interest rate and loan time, and the specific interest is calculated according to these three parameters.

2. In the bank car mortgage payment, the biggest payment cost is the payment interest.

3. Different banks and different loans have different interest rates. The benchmark interest rate for 3-year futures is 6.4%. The actual loan interest rate is usually higher than the benchmark interest rate.

4. Most benchmark interest rates have risen by 30% to 40%. Are there any other expenses besides the interest on the mortgage? It depends on the specific circumstances of payment.

Extended data:

First, the conditions for applying for auto loans

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the bank savings counter account.

Provide bank-approved guarantees to banks. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

Choose a bank loan to buy a car, the loan interest rate is moderate, and there are many kinds of cars to choose from. However, it actually takes time and energy in the process of handling loans. In order to control risks, banks usually need a long time to review and applicants need to submit a lot of information. If you want to apply and are not afraid of trouble, a bank loan is a good choice;

As we all know, there is no interest charge for credit card installment payment, which is also the biggest advantage of buying a car by credit card installment payment. At the same time, credit card installment is convenient and fast, and it can be done with one phone call. Sometimes, banks can enjoy certain discounts when they cooperate with car dealership companies.

Two. Information to be provided for car loan

1, personal loan application;

2. Valid identification of individuals and spouses;

3, I and my spouse occupation, position and income certificate;

4. Marriage certificate (unmarried certificate is required, except those who have not reached the legal age for marriage) and household registration book;

5. Original ID card, household registration book or other valid proof of residence, and provide a copy;

6 car purchase agreement, contract or letter of intent signed with the dealer;

7. Proof of deposit or down payment;

8. The supporting documents or materials required for the guarantee;

9. Other documents required by the Cooperation Organization.

How much is the interest of 65438+ 10,000 car loan for 3 years?

Although the loan interest rate for 1-3 years stipulated by the People's Bank of China is 4.75%, all banks can fluctuate on this basis, and many auto companies will launch their own financial installment products with different interest rates. We calculate at an annual interest rate of 4.75%, and the monthly repayment amount varies according to the equal principal and interest and the average capital. Average capital: the monthly repayment of the principal is fixed, but the interest is not fixed. The interest on the principal repaid every month is reduced. The repayment is required to be 3 173.6 1 yuan in the first month, and then it will be reduced by 1 1 yuan every month. Finally, the total interest is 7322.92 yuan, and the principal is 654.38 million yuan. Matching principal and interest: the principal and interest are fixed every month, and the monthly repayment amount is 2985.88 yuan. The total interest to be paid is 749 1.6 1, and the principal is 654.38 million yuan. Generally speaking, these are two repayment methods, because at the same time, the money we owe to the bank is also decreasing, so the interest we bear will also decrease, and the interest will be distributed to each month according to different calculation methods. All the above are calculated according to the bank's benchmark interest rate. 4s stores and car companies will have different discounts on car purchase interest rates. You can calculate by calculators with different repayment methods according to the actual situation. The principal of RMB 6,543,800+is calculated according to the interest, the total interest will not exceed RMB 6,543,800+,and the monthly repayment amount is about RMB 3,000. Friends who need to buy a car can contact the 4s shop in advance and tell them that the car is calculating the loan interest rate to prevent other expenses from being mixed in.

How much is the interest on a car loan for three years?

According to the current bank loan interest rate, it will be 5.22% after a 20% increase in three years, and the monthly interest will be 156.48, and it will be 5633.28 yuan after three years.

For example:

It takes about 70 thousand yuan to buy a 90 thousand yuan car. The loan cost is calculated by Dongfeng Peugeot (206 1.6×rat) (calculated by price: 97,800 yuan). Basic expenses for purchasing an S-class car (according to the data collected in July 2002, for reference only, subject to the dealer's confirmation) Payment method: 20% down payment, based on the total car price (165438).

Total down payment: 37,250.00 yuan, including license plate and auto insurance13,778 yuan, management fee 3 129.6 yuan, and Xinbao 782.4 yuan.

Total loan: 78,240.00 yuan.

Average monthly repayment: 2362.438+04 yuan.

Accumulated for three years: 85,037.04 yuan (= 365,438+022,362.14), of which interest expense is 6,797.04 yuan.

Total expenditure: 65,438+022,287.04 yuan (= 37,250,850,37.04 = 3-year down payment and accumulated repayment).

Compared with one-time payment (1 1 1578 yuan), the increase is 10709.04 yuan, with an increase percentage of 9.6%.

The interest is about the same, 6 thousand to 7 thousand

Extended data:

According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines people's loan costs, which has become an important factor in determining whether people lend.

How to calculate the interest rate of automobile loan

Calculation formula of monthly car loan: a = p (1i) [(1i) n-1]/n 2/i.

A: Monthly contributions.

P: total donations

I: monthly interest rate (annual interest rate/12)

N: Total months of payment (year × 12)