Generally, the down payment for buying a car is 30%.

The down payment of a car is calculated as a percentage of the bare car price. For example, a car with a price of 65,438+10,000 yuan (bare car price) has a down payment of 30% of 30,000 yuan and a down payment of 40% of 40,000 yuan.

At present, the down payment ratio when buying a car is generally 30%, and consumers can also choose a lower 20% down payment or a higher 40% or 50% down payment; These can be freely chosen according to the cash on hand.

The down payment for car purchase includes other charging items:

Automobile insurance, vehicle purchase tax, license fee, etc. A car with a car price of about 654.38+million, if you go to a 4s shop to buy vehicle insurance, you need 6,000 yuan more than this, the vehicle purchase tax is about 8,500 yuan, and the license fee needs 350 yuan, which totals * * * 15,000 yuan.

Therefore, when handling the car loan business, it is best to know the details of the loan to buy a car first, which can effectively avoid some charging routines/traps.

The down payment ratio of buying a car is usually 20%-80%, generally not less than 20%. Stages are divided into one year (12), one and a half years (18), two years (24) and three years (36).

But not all brands can provide rich and free financial solutions. You'd better consult the 4S shop.

Undoubtedly, the lower the interest rate, the more cost-effective. Generally, the higher the down payment, the lower the interest rate.

The down payment of 20% is actually not the minimum, and now there will be zero down payment or 10% down payment.

Because, according to the "Measures for the Administration of Automobile Loans" issued by the China Banking Regulatory Commission, the amount of self-use loans issued by lenders shall not exceed 80% of the price of automobiles purchased by borrowers; Commercial vehicle loan amount shall not exceed 70% of the price of the car purchased by the borrower; The second-hand car loan amount shall not exceed 50% of the price of the car purchased by the borrower.

(Source: Bank of China Insurance Regulatory Commission)

Therefore, the down payment for self-use cars is 20%, the down payment for commercial vehicle loans is 30%, and the down payment for used car loans is 50%. However, at present, many new energy vehicles will have down payment concessions and car purchase subsidies. If you still feel that the down payment is high, you can come to Yijing to ask for a good car.

The down payment for buying a car also includes purchase tax, vehicle insurance, licensing and other expenses, so the down payment calculated according to the guide price and down payment ratio is only one of the down payments, and finally the miscellaneous expenses are counted.

What is the maximum down payment for buying a car?

The maximum down payment for buying a car depends on the loan method used. The following are the down payment of several loan ways to buy a car: 1. Apply for a loan with the purchased car as collateral: the down payment shall not be less than 30% of the purchase price, and the loan amount shall not exceed 70% of the purchase price. 2. Apply for pledge loan: the down payment shall not be less than 20% of the car payment, and the loan amount shall not exceed 80% of the car payment. 3. Apply for a loan by means of third-party guarantee: the down payment shall not be less than 40% of the car payment, and the loan amount shall not exceed 60% of the car payment.

How to calculate the down payment for loan car purchase?

Question 1: How to calculate the down payment for buying a car by mortgage? The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.

Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Question 2: How to calculate the down payment of automobile mortgage? The down payment ratio of naked cars, the amount of purchase tax insurance (all models of loans need to be fully insured), testing and licensing fees.

For example, if you want a car that touches 00,000 yuan, the bare car price is 65,438+10,000 yuan.

You multiply the loan ratio by 654.38+ 10,000, plus the following number.

1.6 displacement, and the purchase tax is 6400 yuan. (more than 8540 yuan 1.6. The purchase tax rate is (65438+ ten thousand/1. 17).

Compulsory insurance and other risks total ***5300 yuan.

It's about 300 yuan to check the license plate on the car.

Question 3: How to calculate the down payment of 20%-50% for a car loan? General banks require 40%-50%. Some car dealers can find some financing companies to achieve 20% or even lower.

Usually it will be paid off in 2-5 years. Monthly repayment depends on how much you borrow, and you can use real estate as a guarantee.

First of all, it is necessary to know whether the beneficiary of car installment payment is a bank or a financial institution, because many banks now have relatively high thresholds for car loans, and more financial companies, especially those in the same department as car manufacturers, have begun to handle convenient loan procedures for customers (for example, the financial company of Shanghai General Motors has GMAC loans).

Secondly, the requirements for car buyers: generally, the wage income is normal, preferably provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove the strength of your paid loan, that's fine.

Question 4: How do I want to buy a car? How to calculate the down payment ratio of loan to buy a car? The borrower needs to apply and meet the loan requirements. The car down payment needs 30%, and there must be a stable source of repayment and other loan conditions.

Question 5: How to calculate the down payment of car loan If you apply for "personal car loan" at China Merchants Bank, the maximum loan amount will not exceed 80% of the price of the purchased vehicle (excluding various additional taxes and premiums); The maximum amount of personal car loan for imported cars shall not exceed 70% of the price of the car purchased (excluding various additional taxes and premiums); And the loan amount is up to 2 million yuan. For your specific loanable amount, you need to submit relevant materials for verification and confirmation by the handling bank.

Question 6: How much is the down payment for the loan to buy a car? How to calculate the car loan interest rate is a very prominent problem. How much is the down payment for the car loan? Some netizens questioned this question! Answer: First of all, the down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%. If your credit and financial strength can't meet the company's standards, you may be asked to raise the down payment again. Generally speaking, you can fill in 30% when applying for a loan. The amount of down payment is not directly related to the car price, mainly because the loan unit should control the risk. For example, if you make a down payment of 20%, the lender will pay you 80% of the loan. If you don't pay back the loan, he will lose 80%. If you pay 40% down, his risk is only 60%. In addition, the amount of monthly repayment depends on the interest rate of the unit you borrowed. The interest rate of each unit is different, and it also depends on your loan time. The longer the time, the higher the interest rate. If you buy 1.5 million, with a down payment of 30%, then the loan amount is 1.05 million. Let me calculate it for you according to our company's interest rate: the loan is 3 years, that is, 36 months, with a monthly interest rate of 5.5275‰ and a monthly repayment of 3,224.438+0.

Question 7: How to calculate the down payment for a car loan? Hello! Purchase tax and so on need to be paid in full. A down payment of 30% refers to 30% of the price of a bare car.

If you have any questions, I suggest you consult "Customer Service Online" forum.cmbchina/cmu/icslogin.aspx?. . From = Blogincmu = 0, we will serve you wholeheartedly!

Question 8: How to calculate the down payment of 20%-50% for a car loan? According to the different loan methods chosen by consumers, there is no need to provide application materials, and the down payment ratio may be different. At present, most banks stipulate that the minimum down payment is 40% of the total car price, and the minimum car financing can reach 20%.

Generally, there are two options for the loan term: 3 years and 5 years, with the longest term not exceeding 5 years. Some also need to pay a deposit of about 10% of the car price and related handling fees. In March, the customer paid about 3,000 yuan, and the total interest expense was about 9,000 yuan. In May, the customer paid only about 1.900 yuan, during which the customer can repay in advance at any time.

The general loan amount is not higher than 80% of the car price, and the rest is called down payment. Some banks or financial institutions need you to pay a down payment before lending. The loan term is one year, two years, three years or five years. If the loan is 80,000 to100,000, 3 years is the best choice, and 5 years will lead to higher interest expenses.

If you have a normal wage income, it is best to have a provident fund, real estate (property rights) or be married. Of course, if you have other written documents that can prove the strength of your paid loan, that's fine.

Question 9: How to calculate the down payment for mortgage car purchase? The down payment includes 30% of the bare car price, interest, loan fee, auto insurance, all-insurance repayment deposit and settlement deposit listing fee. What a mess.

Question 10: How to calculate your bare car by stages 124600? It's too dark. Did 4S add navigation and seats to you? (The navigation will be installed outside by itself. Is it because the 4S is afraid that you will not protect the cable if you install it outside? This is pure bluff. The navigation is plugged in directly, without moving any lines. 4S broken navigation 1500 sells for 8000, and the so-called leather seat is about 1300. The maximum value of these two prototypes is 3000, and Lingpai manual bare car is 6500. . . . . Dizzy! ! !

I'll give you a discount, right? Naked car 1 14800, purchase tax 98 12, compulsory insurance and travel 1500, all-insurance installment 6000 (this can be bought anywhere, depending on how many years we talk about it), all-insurance price 13.

The down payment is 52,000 installments, leaving 80,000 (80,000 installments, 2 annual interest rates, 8 interest rates, 80,000 installments, 3 interest rates, 12 interest rates, 9,600). 4S stores may charge you a handling fee, so don't give it. If it really doesn't work, give 1500 at most. In fact, what is more than the full amount in installments is interest, and there may be a little handling fee, and you must buy all risks. Full insurance 4S must have been bought from him, 4S is about 1000. This can be compromised. In fact, you can buy it anywhere. Some 4S will have to be purchased in installments within a few years, which is pure deception.

Of course, if you use a credit card, there will be no handling fee and you don't have to buy all the insurance, but the interest of the credit card is very high, and the car loan is a special loan with low interest.

What is the minimum down payment for a car loan? What is the minimum down payment for buying a car?

Buying a car with a loan means that the owner only needs to pay the down payment, and then he can buy a car as long as he pays the monthly payment on time, and the pressure will not be great. So what is the minimum down payment for a car loan?

Generally, a bank loan is used to buy a car, and the down payment is not less than 20%, and the maximum is not more than 80%. Loan term 1 to 5 years. The lower the down payment, the higher the monthly payment, the longer the loan term, and the more interest. You need to choose the down payment ratio and loan term according to your personal situation.

For example, if you plan to buy a car with a price of 200,000 yuan, the down payment of 20% is 24,000 yuan. If it is divided into 24 installments, that is, two years, the monthly repayment is 7,000 yuan, and the total interest is 1 1,000 yuan. If you choose 30% down payment, it will be 63,000 yuan, with 24 monthly payments of 6 125 and interest of 10000 yuan.

Buying a car with a loan requires a stable income and good personal credit, and the lending institution will pass the examination and approval. After the bank lends money, the owner must repay it on time, and it is best to choose automatic repayment, so that the system will automatically deduct the monthly payment of the car every month until the loan of the car is fully paid off.

This concludes the introduction of whether the down payment of car loan is 80 and whether the down payment of car loan is 70. I wonder if you have found the information you need?