Netizen Mr. Lu recently wanted to buy his own private car to improve his quality of life. At present, his favorite car is Audi A4L. After all, everyone around us is driving a 200,000-class car. If they buy it too cheaply, they will feel a little embarrassed. Due to busy work, the couple have recently taken out their driver's licenses. At present, Mr. Lu's monthly salary is around 20 thousand. His wife's monthly salary is about 6.5438+0.5 million, and two people account for 35,000 a month. However, excluding children's expenses, mortgage, and various living expenses, the average monthly surplus is 1.5 million.
Audi A4L is cheaper in the luxury brand models of the same price, both in terms of car purchase price and later car use cost. It is an economical and applicable model among luxury brand models, and it also has excellent performance in home space and fuel consumption. It is a conservative choice in the same price, neither too personal nor shameful. If the control requirements are not too high, buy the fashionable version of 40TFSI, which is also the best-selling version of Audi a4l at present.
There is little pressure to buy such a car. First of all, it depends on whether Mr. Lu chooses to buy in full or by loan. If the funds are sufficient, the pressure in the later period is relatively small, because there is no need to continue to pay debts in the later period, and being able to pay the full amount also shows the current economic strength. The official guide price of Audi A4L Fashion Edition is 335,800 yuan, the whole car purchase discount is about 63,000 yuan, the bare car price is 272,800 yuan, the purchase tax is in the early 24,000 yuan, the insurance is about 8,800 yuan, the car needs to be decorated for 4,000 yuan, and the licensing fee is about 300 yuan. The total landing price is 3 1 0,000.
If you choose a loan to buy a car, the preferential margin will be even greater, around 65 thousand yuan. Calculated by 50% down payment and 50% loan, the loan fee is about 5,000 yuan, the purchase tax is 24,000 yuan, the insurance is 9,635 yuan, the quality product is 4,000 yuan, and the licensing fee plus the loan mortgage fee is 2,000 yuan. The monthly payment is 5,900 yuan, which will be paid off in 24 installments in two years. The total down payment is 1.8 million yuan, and the total landing price is 32 1.6 million yuan, which is about1.0 million yuan more expensive than the full landing price.
If a car with a landing area of more than 300,000, such as Audi a4l, runs 65,438+0 to 65,438+0.5 million kilometers every year, the annual fare is about 20,000 yuan, and the average monthly fee is not as high as 654,38+0.7 million yuan. Plus a fixed monthly repayment of 5,900 yuan, I spent 7,600 yuan on the car every month for the first two years. Before, I could save10.5 million per month, and after buying a car with a loan, I saved about 7400 per month.
In a short time, your quality of life will not be affected, but your ability to resist risks in life will be seriously reduced. If there is something urgent in a month and you need money urgently, it will be difficult for you to exceed 30 thousand to 50 thousand. Coupled with the increasing cost of having children, it is not enough to spend a second child. Therefore, according to the current economic situation, Mr. Lu can really afford an Audi a4, but he has basically become a moonlight family. It is more reliable to buy an economical and practical common joint venture brand B-class car, such as Honda Accord and Nissan Teana, which will greatly reduce Mr. Lu's living burden in the future.
The above content is pony's personal opinion. I hope I can help you. You are also welcome to comment in the comments section below, and tell me what you think the monthly disposable income is before you can buy Audi A4L without any pressure.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.