Many young people like Honda Civic very much. They don't even have much financial strength for the time being, but they still want to borrow money to drive this car. Recently, a netizen in my backstage consulted us and said that he now has more than 60 thousand deposits and his monthly salary is about 5,000. He wanted to borrow money to drive a Honda Civic and asked him about the current situation. If he borrows money to open Civic, will the pressure be too great? In response to this problem of netizens, we will simply help him calculate the loan car purchase price.
Let's take the dynamic model of Honda Civic 1.5T to calculate it. The official guide price of this car is 139900. At present, there are few preferential prices in Shandong. Even if you buy a car with a loan, the cash profit is only 5,000 yuan, and the actual bare car price is134,900. Because this friend has more than 60 thousand yuan in his hand, the down payment ratio of the loan can't be particularly high. Here, according to the down payment of 30% and the loan of 70%, the car down payment is in the early 40 thousand, and if the loan is three years, the monthly repayment is 2820 yuan. If you borrow for two years, the income of 5000 yuan per month is simply unbearable.
The purchase tax is about 1.2 million, and the insurance cost is about 5,700 yuan. The loan fee is 3000 yuan, and the mortgage registration fee is 1000 yuan. According to this price, all miscellaneous fees add up to a total down payment of 62 106 yuan. After three years, the loan was paid off, and the total car price was more than 654.38+0.6 million.
From this point of view, this netizen can really afford to buy a car with a loan, and the repayment amount can also be afforded, but it is almost to the limit and the repayment pressure is huge. With a monthly salary of 5,000 yuan, the net income after paying off the loan is less than 2,200 yuan, and excluding the regular car maintenance expenses, there is really little left. I have to eat instant noodles almost every day, and it is still three years!
Sometimes you really shouldn't overestimate your own strength. If you think you can afford a loan, you can afford a car. You may be able to bear it for a month or two, but after a year or two, you may be driven crazy by car loans. Even many people overestimated their strength at that time, and they couldn't sell their cars to repay the loan before they paid off the loan later. Finally, draw water with a sieve, lose the car and fold the money.
As this netizen said, I strongly advise not to borrow money to buy a car. If I have a deposit of 60,000 yuan, I will buy a car of 60,000 to 70,000 yuan. Even if I buy a car up to 6,543,800 yuan, the loan term will be locked in one or two years, and the monthly repayment amount will be controlled above 6,543,800 yuan. The original intention of buying a car is to improve our quality of life, but buying a car that doesn't match our current strength will not improve your happiness, but the car loan will make you breathless. What's the need?
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 talk about what price model you think is suitable for buying with a monthly salary of 5,000 yuan and a deposit of 60,000 yuan.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.