Matching principal and interest method: loan principal: 100000, assuming annual interest rate: 4.750% and loan life: 3 years; Monthly repayment amount of principal and interest: 2985.88 yuan, total repayment amount of principal and interest: 1074965438 yuan, * * interest payable: the interest paid in 1 month is: 395.83 yuan; The first 1 month principal repayment amount is: 2590.05; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

Second, what is the interest rate of 65438+ 10,000 car loan for three years?

16200。 According to the current loan interest rate, the loan term is six months to one year (inclusive), and the annual interest rate is 5.31%; The loan is 654.38 million yuan, and the interest payable for one year is 654.38+10,000× 5.31%= 5,310.00 yuan, and the interest payable for one to three years (inclusive) is 5.40% per annum, and the interest payable for three years is 654.38+10,000×/kloc.

Generally, there is a handling fee for borrowing money to buy a car in a 4s shop. Due to the procedures of vehicle mortgage and insurance, the handling fee for loan to buy a car mainly includes compulsory insurance, vehicle and vessel use tax, commercial insurance and license fee. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often ask car buyers to buy them.

Attachment: details of car loan expenses:

1. Down payment for car purchase (generally 40% of the car price, which can be appropriately relaxed to 30% for high-income customers of institutions or large companies).

2. Insurance expenses for new cars (including compulsory insurance, third-party liability insurance, vehicle loss insurance, auto theft insurance, seat insurance and spontaneous combustion insurance).

3. Notarial mortgage fee 800 yuan (notarization of vehicle mortgage).

4. License fee 300 yuan (if you apply for a license, you can choose to apply for it yourself).

5. Vehicles with a performance bond of less than 300,000 yuan will be charged 3,000 yuan (fully refunded after the mortgage is completed).

3.65438+ How much is the interest of ten thousand car loans for three years? 65438+100,000 36 car loan interest?

Some car owners want to choose how to calculate the car loan interest when buying a car. The car loan interest is mainly related to the loan interest rate and term, and the calculation formula is: car loan interest =

Take the 3-year interest of 654.38+ ten thousand car loans as an example.

Assuming that the loan interest rate announced by the People's Bank of China for 1-3 years (including 3 years) is 4.75%, then the ordinary loan interest for 3 years = 10000 14250 yuan.

The interest of the 36th installment 10 is repaid by the equal principal and interest of CCB: the loan principal is 100000, assuming the annual interest rate is 4.75% and the loan term is 3 years.

2985.88 yuan per copy

The total repayment amount is: 10749 1.68 yuan.

* * * Interest payable: 74,965,438+0.68 yuan.

The interest paid in 1 month is: 395.83 yuan.

The principal repaid in 1 month is: 2590.05 yuan.

This decline leads to an increase in principal.

Through credit card installment and auto finance, car owners can learn more about the down payment and interest rate of different loan methods in order to choose the appropriate loan method. Also, when signing a contract, you should pay attention to whether there are any bundled sales matters. For example, some are under the banner of "zero interest rate" and "zero down payment", often with a handling fee, and the final amount paid is often higher than the loan interest.

Everyone wants to know more about whether some formal auto finance guarantee companies have good reputation and strong business handling ability. Car owners should also pay attention to the date and method of repayment when signing a loan contract to avoid it. How much is the down payment of 465438+10,000 cars in three years?

The down payment of purchase tax insurance premium is 30000854753323000 yuan130 = 47009 yuan, so a car with a price of100000 yuan pays down 30%, the mortgage price is 47009 yuan, the loan is 70 thousand yuan, and the monthly payment is 2 106 yuan.

Of course, there is another case of buying a car with a loan, that is, when buying a car in a 4S shop, in addition to the above fees, interest, purchase tax, insurance, licensing and other expenses, there are likely to be some additional expenses. Robbery insurance and self-ignition insurance that need to be purchased for a car loan.