Compared with buying a car in full, the loan to buy a car also needs to pay down payment, purchase tax, insurance premium, handling fee and licensing fee. Now, for a 500,000 car, the down payment and monthly payment are calculated according to the down payment ratio of 30% and the repayment period of 3 years.

Through calculation, it can be concluded that the down payment is 100000 yuan, the purchase tax is 48700 yuan, the handling fee is 48000 yuan, the licensing fee is 1000 yuan, and the premium is 6000 yuan (for reference only, after all, there is no actual premium amount). Finally, a loan of 400,000 yuan is needed to buy this car, and the monthly repayment is required to be11.11yuan, with a total landing amount of 606 1 15.5 yuan.

Matters needing attention in buying a car

If there is no problem with the appearance of the vehicle, it is necessary to prepare for the car purchase procedure. If it is a full car purchase, the 4S shop will provide the car owner with the car purchase invoice, vehicle certificate, three-guarantee manual, instruction manual and two car keys (some cars will give three car keys) after payment. After buying a car, the procedures must be complete, especially the vouchers. If the procedures are not complete, it is impossible to license the vehicle.

Be sure to buy auto insurance as soon as possible after buying a car, including compulsory insurance (including vehicle and vessel use tax). Commercial insurance. Although commercial insurance is not compulsory, it is recommended to buy third-party liability insurance and car damage insurance at the same time. It is recommended to purchase third party liability insurance at least 6,543,800+0,000. After buying insurance, you need to apply for a temporary license, so you can drive to the vehicle management office to get the license.