For you, it is calculated according to the 1.5 automatic luxury model of 7.68W yuan.

Car price: 76,000 yuan

Down payment: 20,000 yuan

Loan channel: finance company (high interest rate, but convenient procedures)

Loan time: 36 months (three years)

Monthly interest rate: 0.6 15%

Monthly repayment of loan principal and interest: 1738.86 yuan.

Total loan principal and interest payable: 62,598.96 yuan.

The total cost is 82,598.96 yuan, which is 6,598.96 yuan more than the total amount.

There are also financial institutions that can lend for 60 months, and the monthly repayment is more than 1 100, but it is not recommended to lend for that long. The depreciation of cars purchased for more than 3 years is generally around 30%. I've lost so much.

In addition: the bank loan interest rate will be less, but it is more troublesome to do, and the income certificate (repayment certificate) of the real estate license is also needed.

I hope I can help you and adopt it.