However, although the car is good, it also needs a lot of money. For low-and middle-income people who live on wages every month and earn little, they still have to do what they can. After all, I have to support my family, eat, dress, send my children to school and support my parents with my meager salary. I can't help thinking about the burden of these people. I don't feel comfortable driving.
In this case, how much monthly income is suitable for buying a car? What kind of car should low-and middle-income people buy if they want to buy a car?
If you raise a car with a salary of 3000 yuan, will you starve to death? Let's make a rough calculation.
Oil/gasoline cost
There is definitely a car fuel fee, which is an inevitable cost of car maintenance. Suppose you drive 65,438+05,000 kilometers a year, and the fuel consumption is set at 8L. Suppose the average fuel price is 6.5 yuan, then you need 7800 yuan a year.
insurance expenses
After buying a car, you have to buy auto insurance. If you want to save this money, you may not be able to save it, because some insurance is absolutely necessary, such as compulsory insurance, which costs 885 yuan a year. And we usually buy car damage insurance, three risks, glass breakage insurance, burglary insurance and deductible insurance for protection. Their average annual income is about 3500 yuan.
Plus other vehicle and vessel use tax (200 yuan/year), annual vehicle inspection fee (200 yuan/year) and road maintenance fee (1320 yuan/year). It costs more than 5000 yuan a year.
sum of maintenance
Cars, like people, need maintenance and beauty. The frequency of car maintenance is closely related to the mileage. No matter what kind of car it is, it should be maintained every 5000 kilometers.
In this case, your car needs maintenance about two or three times a year, with minor maintenance around 400 yuan and major maintenance 1000. In other words, the annual maintenance fee is about 1000-2000.
parking fee
Although it seems unrealistic to drive to work with a monthly salary of 3,000 yuan, for the time being, the unit parking fee is indispensable.
If you live in a residential area, according to the parking fee of 300 yuan/month plus the parking fee of 300 yuan/month, the parking fee for one year needs 7,200 yuan.
In short, the total cost of the first year is in the early 2W, and the total cost of the second year is at least1.6w.. That is to say, you have to spend an extra1.62w to maintain a car every year, which costs about 1.003 to 1.006 pounds every month. You have to spend half your salary to maintain a car!
If you have savings, buying a car at one time is of course the best. If you want to buy a car by mortgage, a naked car with a price of 6,543,800+10,000, 30% down payment of 33,000, and then a loan of 67,000, with a repayment period of up to 5 years, usually 3 years. There are 36 installments in 3 years, each installment is one month, and the monthly repayment is1861.11yuan. (excluding interest, the interest rate is different every year, and the interest rate issued by the central bank is calculated year by year). In this way, all your monthly salary is spent on the car body.
If you really want to buy a car, what is a suitable car with a monthly salary of more than 3,000 yuan?
Geely-Vision
The guiding price is 53,900-67,900.
Horizontal compact level
Size 4590* width 1734* height 1470 wheelbase 2600.
Power 1.5L, maximum power 80KW, maximum torque 140NM.
The gearbox is manual in 5th gear, manual in 6th gear and automatic in 4th gear.
This car only landed at a low price of over 60,000 points. Geely has a good reputation in the past two years, and the quality can be assured. The wheelbase of 2600 ensures the passenger space in the back row, which is very suitable as a household scooter.
Byd F3
The guiding price is 43,900-77,900.
Dimension length 46 17* width 17 16* height 1480 wheelbase 26 15.
Power 1.5L, maximum power 80KW, maximum torque 145NM.
The gearbox is manual in 5th gear and dual clutch in 6th gear.
BYD F3 is a very classic car, and its quality can stand the test. Listen to the word of mouth of the old car owner and you will know that this car is very suitable for home use.