With the improvement of people's living standards, there is a car parked in front of every house. This thing may be a burden in the city, but it may be particularly important in our rural areas. No matter it is expensive or cheap, you have to get it. Yes, it can be used as a means of transportation at home and with dignity, so buying a car has become a trivial matter. However, for those who are not financially well-off but still need a car, installment plans have become a good choice for buying a car. .

Let’s talk to you next. How much does it cost to buy a car worth about 90,000 yuan in installments and get it on the road? I will discuss with you two methods of installment payment and one-time settlement!

Let’s first take a look at how much it costs to buy a car in installments! Usually when we buy a car by installment, we first consider the down payment amount and loan term. The first thing we have to consider is how much money you have, how many installments you want, and how much the down payment is. And it does not mean that the down payment is 30,000 yuan. , then you can take the car away. Buying a car will also involve some necessary expenses such as taxes, insurances, licensing and service fees. Therefore, when considering the down payment amount, you should also consider the necessary expenses of about 10,000 yuan.

For example, if you choose a down payment of 50, a loan of 24 terms, and a loan interest rate of 4.75, half of 90,000 yuan is the down payment amount of 45,000 yuan, then the corresponding loan is 45,000 yuan, plus the necessary expenses mentioned above , the purchase tax is 7965 yuan (everyone has the obligation to pay the purchase surcharge), the license fee is 500 (fees are different in different regions, it is cheaper to buy it yourself), and the vehicle and ship usage fee is 420 yuan (the same obligation, according to the displacement (charged), compulsory traffic insurance 950 yuan (national compulsory insurance), commercial insurance 4235 yuan (including third liability insurance, vehicle loss insurance, excluding deductibles, no-fault liability, vehicle personnel insurance, etc.). Generally, 4S stores will require it when purchasing a car in installments. It is relatively complete, but the price will be slightly higher. The loan service fee is 3,000 yuan (the fees required to purchase a car with a loan vary from region to region, and there is no unified standard). The total down payment is 62,070 yuan, and 24 monthly installments are required. 1,969 yuan, the total purchase price of the car with a loan is 109,326 yuan, which is about 5,256 yuan more than the full payment of the car.

It will be much easier if you buy the car in full. First of all, there is no loan interest. Of course, there are many 4S stores now that are interest-free, but the wool is in the sheep. Secondly, there are no loan service fees. Some The 4S store also has positioning, file management and project fees, etc., which can save thousands in total. In addition to the bare car price of 90,000 yuan for the full purchase of the car, the rest is the two taxes, two insurances and registration fees, and installments The required expenses for purchasing the car are the same, and the full price is 104,070 yuan.

Summary: Due to different regions, there are relatively large deviations in some charging policies, so there are slight differences. The general direction is this. You can make calculations based on local market conditions. The above is only for estimation reference.