At present, the traditional mortgage car purchase business of banks is shrinking day by day, and it is replaced by credit card installment payment and auto finance company loans. For consumers, which of the three loan car purchase modes is more cost-effective? In fact, it is difficult to know which car and loan method are suitable for customers. Customers need to choose their own models, and then discuss with 4S stores, because not all models are agreed by car dealers and banks, hot-selling models may not have loans, and some models may be subsidized by 4S stores.
In addition, when buying a car with a loan or charging various financial service fees, notarization fees, renewal deposits and other fees, consumers should not rush to give money, but ask more questions. Be sure to read the contract clearly, ask clearly and ask more why. Every bill is well stored.
The price of a pickup truck is 58,000. What is the down payment? How much is the monthly down payment? It's about 30 thousand, and it will be done if you pay one or two thousand a month.
Bare car price 665438+100000 down payment is 365438+100000 monthly payment. When applying for personal car loan in China Merchants Bank, the "monthly loan" is calculated according to the total loan amount, loan term, execution interest rate, repayment method and other factors.
If you want to make a trial calculation for reference, please go to the home page of China Merchants Bank and click "Financial Calculator"-"Personal Loan Calculator" on the right to try to make a trial calculation using the benchmark interest rate of the current loan. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment. )
It takes five years to make a down payment of 30% on the bare car price of 220,000, and the average bank needs 20%-50%. Some car dealers can get 20% or even lower if they find some financing companies.
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, Shanghai GM's financial company 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 files to prove your paid loan strength, you can.
Bought a naked car,128,800, with a down payment of 30%. How much is the monthly loan payment and interest for three years? To calculate the monthly repayment amount, we should not only know the loan amount and loan term, but also know the repayment method and annual interest rate of the loan.
Assuming equal repayment of principal and interest, the annual interest rate of the loan is 6. 15% (current benchmark interest rate 1-3 years). After the down payment of 30%, the loan amount is 90160,000, and we take the integer 90,000. Monthly payment is 2744. 10 yuan; The total interest is 8787.43 yuan (for reference).
You can also use a personal loan calculator to calculate:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ chnl=dkjsq
New car price 570 thousand down payment %30. How much do I have to pay for naked cars every month in two years? The estimated total cost of the full car purchase is 635, 155 yuan, with a down payment of 30%. If the loan is calculated on a three-year basis, the down payment is 236 155 yuan+monthly payment 12256 yuan (36 months).
It cost 422 16 yuan more than the full car purchase.
What is the minimum down payment for a car with a bare car price of 80 thousand yuan? If you intend to apply for a car loan through our bank, the maximum loan amount shall not exceed 80% of the car price (excluding various additional taxes and insurance premiums). For your specific loanable amount, you need to submit relevant materials for verification and confirmation by the handling bank.
The bare car price is 654,380+053,800, and the down payment is 50%. How much do you need to pay for three months? 66635 yuan +3307 yuan (36 months) = 65438 yuan +085687 yuan in total.
It cost 1 1, 392 yuan more than the full car purchase.
A car with a bare car price of 88,800, why do you need 52,000 for a down payment of 30%? Yes, the minimum down payment for a car loan is 30%. What you should be concerned about now is interest. Calculate carefully which bank has less interest. Under normal circumstances, 4S will give you several loan options, and the monthly repayment amount will be calculated for you. You need to choose carefully according to your actual situation. Loans are long-term payments to avoid regret.