The two-year interest of 200,000 new energy auto loans is: 200,000 auto loans, with a repayment period of two years, generally around 6,000 yuan per month. Because the interest rate of car loan is generally around 6% to 20%, if the car loan is regarded as a face fee, the interest will generally be above 20%. If it is paid off in two years, it usually takes more than 6000 yuan a month to repay the loan.

Second, is there no interest for buying a new energy vehicle loan for two years?

Most of them have subsidized interest, so no interest depends on local policies.

3. Is the new energy vehicle loan interest-free?

New energy car loans are interest-free. Matters needing attention are as follows: 1. Apply for interest-free: At present, only some models on the market are free of interest and handling fees. Although many credit cards buy cars in installments at zero interest rate, customers have to pay a certain handling fee, and the credit card purchase fee is paid in one lump sum. 2. Apply for an interest-free car loan, and pay attention to insurance: before the loan, the car is still owned by the bank, so the bank will put forward protection risks and buy a lot of insurance. For example, customers will be allowed to take out the following types of insurance: third-party liability insurance and theft insurance (all risks). When consumers choose interest-free car loans, they may wish to look at the terms and carefully compare the costs before making a decision. Million car purchase subsidy

4. Is it true that it is interest-free to borrow a car for two years?

Interest-free car loans are not necessarily cost-effective.

Many car manufacturers have launched interest-free car loans, which are favored by car buyers, especially some young people. The reporter learned that more than 90% of young car buyers choose loans to buy cars. But is interest-free car loan business really affordable? The reporter learned that most automobile manufacturers or financial departments attach certain conditions to interest-free car loans and need to pay similar interest fees.

Interest-free car purchase attracts young people.

Ms. Yin Xin, a citizen of Anqiu, has just been transferred to Weifang. In order to go home conveniently, she is going to buy a Peugeot car with a total price of more than 80 thousand. But she only needs to pay half the fee to drive the car home, and she can also avoid the handling fee of more than 2000 yuan. Although there is no handling fee, the rest of the money needs to be paid before the end of the year. "This model can make a down payment of 50% and the loan has zero interest. When I went to the bank, I found that there were many people coming to do this business. " Ms. Yin said that she saved 40,000 yuan and wanted to buy a better car, but she didn't want to ask her parents for money. Considering that my job is relatively stable, I want to borrow money to buy a car first, and the rest of the money will be paid back one year later.

This way of buying a car with interest-free loans is very attractive to car buyers, especially young people. The staff of the 4s shop of Chevrolet sedan told the reporter that the loan to buy a car has been recognized by people, with low down payment, low interest and even interest-free. For those young people who want to buy a car with not particularly good economic conditions, the dream of owning a car can be realized in advance.

Although most Weifang consumers still choose to buy cars in full, the proportion of car loans is increasing year by year. Many automobile manufacturers or 4s stores have set up independent automobile credit departments to provide automobile loan services for consumers.

There is a threshold for interest-free car loans.

Recently, many automobile 4s shops have launched the activities of paying tens of thousands of yuan down payment and interest-free loans to buy a car. High-end cars with 400,000 yuan and 500,000 yuan can be driven away with a down payment of about 654.38+10,000 yuan, and you can also enjoy interest-free loans within two years. Mr. Liu, who plans to buy a car, said that interest-free is really attractive, but he just doesn't know which one is more affordable than the traditional loan car purchase method.

Many banks, such as ICBC, China Merchants Bank, Bank of China and China Construction Bank, have launched "zero interest" car loans for credit card loans, but most of the interest-free car loans have designated car brands and cooperative dealers.

ICBC's car loan business is divided into two modes: credit card installment payment and traditional loan car purchase. Credit card holders with good credit can apply for credit card installment payment. As long as the cardholder prepares the ID card, household registration book and other related materials, he can directly go to the bank to increase the credit card limit, and the loan period can be up to 3 years. The account manager told the reporter: "Buying a car with a loan is similar to buying a car with a credit card, except that the handling fee needs to be paid in one lump sum before buying a car, and the monthly repayment amount will be fixed in the future, while the interest of a loan ordinary car will change according to the change of the monthly repayment principal, so the monthly repayment amount will also change. It takes a long time to apply for an ordinary loan to buy a car, and it is easier to buy a car with a credit card. "

In the Credit Center of Weifang Branch of China Construction Bank, the reporter learned that the credit card loan period of China Construction Bank is two years, and the handling fee rate is not much different from that of the above banks. However, only a few models of CCB can be loaned. For Buick, Chevrolet and other models consulted by the reporter, CCB can't lend for the time being.

The longest loan period for China Bank to buy a car by credit card is 3 years. The staff of the Credit Department of China Bank calculated an account for the reporter. If the loan is 6,543,800 yuan, the handling fee for buying a car by credit card is 9,000 yuan, and the monthly fixed repayment amount is 2,778 yuan. Excluding the handling fee for the first month and the fixed monthly repayment amount of *** 1 1778 yuan, it will be repaid every month thereafter.

"But the traditional loan car, 3 years * * * to pay interest of 9440 yuan, this interest rate does not include raising interest rates. Now the loan interest is at its lowest point. If the bank loan interest rate is raised uniformly during the repayment period, the repayment interest of users will also be raised accordingly. Although interest-free car loans have to pay a handling fee similar to interest, they still save money in general and can realize citizens' driving dreams in advance. " The staff of the Credit Department of Bank of China Weifang Branch introduced to the reporter.

The payment method should be appropriate

Most 4s stores have long-term cooperative guarantee companies and banks. Under normal circumstances, they have to pay 30% down payment for car loans, and the loan period is usually 3-5 years. It is relatively easy for civil servants, teachers, doctors and other professional loans with stable income. Some automobile manufacturers have also set up their own financial companies, such as Shanghai General Motors Company, which can handle automobile loan business without banks.

Experts said that the car loan business launched by car manufacturers, like shopping mall promotion, will definitely have certain conditions, and businesses will not lose money. But for those car buyers with insufficient funds, interest-free car loan business or installment payment business can realize their dream of driving ahead of time. Car buyers only need to choose the most economical car loan business that suits them within the range they can afford.

Interest-free car loans introduced by auto finance companies, some of which require handling fees, others do not. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.