Let's talk about the price of BMW 3 Series, and the guide price ranges from 288,000 to 480,000. Suppose the landlord chooses a 288,000 BMW 3 18i fashion model, let's take a look at the specific calculation ideas first. Third, the car owner currently bears a loan of 2,000 yuan per month, plus a car loan of about 8,000 yuan per month. For medium and large luxury brand cars like BMW 5 Series, the purchase conditions are relatively high. At present, the official guide price of this model is 426,900-643,900. The official guide price of the lowest model is 426,900, the market terminal discount is about 4.4, and the bare car price is 382,900. Plus insurance, purchase tax, licensing and other related expenses are about 45 thousand, and the road price of vehicles can be controlled within 428 thousand.

Taking 10% of personal income as the car purchase budget, the personal savings level must reach at least 4 million to afford the BMW 5 Series, but in fact this is obviously unrealistic. Assuming that the personal monthly income level of consumers is above 20,000, the annual income is around 240,000, generally speaking, it is within 300,000. After deducting other living expenses, it can save about 1/3 every year.

The down payment ratio of a normal vehicle is half of the car price, that is, to buy a BMW, the minimum down payment for the lowest-equipped model needs to reach about 260,000, which is equivalent to taking a BMW down payment for at least two years.

This 7,000 yuan is obviously not enough to repay the loan, and the monthly fare of a model like BMW 5 Series is at least about 3,000 yuan, which is equivalent to the owner's remaining amount of about 4,000 yuan per month to pay back the monthly payment, which is a bit stretched. If there is a BMW 5 Series now, the market price of this car is about 600,000 to 700,000, which is considered as a high-end car, and it is also very common on the street. In fact, the later cost is very high.