From 20 18 65438+ 10/month 1, the purchase tax on passenger cars with displacement of 1.6 liters or less will be restored to 10%. Prior to this, the purchase tax was 7.5%.

Travel tax for compulsory insurance in 300 yuan, totaling about 1000- 1200 yuan.

The loan interest is about 5.6%.

Second, how to calculate the purchase tax and insurance when buying a car with a loan?

If it is difficult to buy a car in full, borrowing money to buy a car is a good choice. General car purchase expenses (insurance and purchase)

1, vehicle compulsory insurance: 6 households or less 950 yuan/year, more than 6 households 1 100 yuan.

2. Vehicle purchase tax = purchase price /( 1 17%)× purchase tax rate (10%).

3. Total down payment for car loan = down payment requires commercial insurance.

4. Vehicle registration fee: Under normal circumstances, the one-stop service provided by merchants is about 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification 150 yuan, mobile license 30 yuan, environmental protection license 3 yuan, extension fee 40 yuan, driving license photo 20 yuan, and pallet fee 130.

5. Vehicle and vessel use tax: the provinces are not uniform. Take Beijing as an example. Buses with 9 or fewer seats in Beijing are located in 480 yuan and 40 yuan every year.

6. Regular guarantee is 77%.

Third, I'm going to take out a loan to buy a car. How to calculate the purchase tax and insurance?

1. Purchase tax and insurance are not included in the cost of auto loan.

2. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit records and must meet the requirements of financial institutions before they can apply for loans to buy a car.

3. Basic knowledge of loan car purchase: 1) Total down payment = necessary commercial insurance for down payment. 2) purchase tax = purchase price /( 1 17%)× purchase tax rate (10%). 3) Licensing fee: Usually, the one-stop service fee provided by merchants is about 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification 150 yuan, mobile license 30 yuan, environmental protection card 3 yuan, extension fee 40 yuan, driver's license photo 20 yuan and tray 130 yuan. 4) Vehicle and vessel use tax: unified in different provinces. Take Beijing as an example, there are 9 or less buses in 480 yuan and 9 or more buses in 540 yuan. 5) Compulsory traffic insurance: 6 or less families in 950 yuan, 6 or more families 1 100 Yuan. 6) Total term insurance: The average discount of insurance companies is 77%.

Four, how to calculate the vehicle purchase tax insurance premium

How to calculate the vehicle purchase tax insurance? Many people buy new cars every day. In this case, they must pay the purchase tax, and they must also buy car insurance. General auto insurance is complete, and the purchase tax is determined according to the car price. The current tax rate is 10%. The car case contains many aspects. Let me explain to you the calculation method of new car purchase tax and insurance.

How to calculate vehicle purchase tax insurance

The calculation method of vehicle purchase tax is:

The vehicle purchase tax with the displacement of 1. 1.0 or less is1%of the vehicle price;

2. 1.6L and below, the purchase tax is 5% of the car price;

The vehicle purchase tax with a displacement of more than 3. 1.6L is10% of the vehicle price;

4.3.0L-4.0L (including 4.0L) displacement vehicle purchase tax is 25% of the vehicle price;

5.4.0L The purchase tax for vehicles with a displacement of L or more is 40% of the vehicle price.

The car price mentioned here is taxable value, that is, excluding VAT, and taxable value is: the price on the invoice ÷ (117%); Taxable value of imported cars are: customs duty paid price and customs consumption tax. Therefore, the purchase tax is: tax payable ÷( 1 17%)× the tax rate of the corresponding vehicle type.

According to the different insurance objects you choose, the amount of insurance varies greatly, among which compulsory insurance must be purchased, and commercial insurance can be selected according to your needs and preferences.

Usually includes:

Compulsory insurance 950 (the national unified price and must be purchased).

Car damage insurance, according to the car price, the more expensive the car, the higher the price, and the quotations of different companies are different.

Third party insurance, according to your insured amount, is 506,543,800,000, 200,000 and 500,000 respectively. The higher the amount you insure, the higher the insurance price. Different companies offer different prices.

Theft and rescue, according to the car price, the more expensive the car, the higher the price, and the quotations of different companies are different.

At present, the contents of motor vehicle insurance include main insurance and additional insurance. Main insurance includes vehicle loss insurance and third party liability insurance. There are nine kinds of additional risks: vehicle theft insurance, glass breakage insurance, vehicle stopping loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, vehicle personnel liability insurance, no-fault liability insurance, vehicle cargo falling liability insurance, and special risk without deductible. In fact, the so-called "all risks" usually means that in addition to two main risks and two additional risks, it is all risks. Vehicle theft, on-board liability insurance, separate glass breakage insurance, special insurance without deductible and spontaneous combustion loss insurance can be properly handled as needed. In fact, it is neither economical nor necessary to cover all nine additional risks. Therefore, most customers are now insured with the above five additional risks in addition to the two main risks, which is considered as a complete guarantee.

The above is about the calculation method of motor vehicle purchase tax and auto insurance. For a new car, the cost in the first year is still high, especially the car loan. Because there are other handling fees, the insurance will be less in the second year. The purchase tax is one-off, and it won't happen again. There are many kinds of insurance coverage, depending on the situation, please consult more laws and regulations.

How to calculate the vehicle purchase tax insurance @20 19