Calculation method of car loan interest: 1, the original car price is about 90,000 yuan, and the down payment is 30%, that is, the down payment of the car body price is 27,000 yuan and the loan is 63,000 yuan, but this is only the down payment of the car body, and the real payment is not only 27,000 yuan, but also various other expenses need to be paid; 2. Roughly speaking, the purchase tax car = purchase price /( 1 17%)× the purchase tax rate (10%) = about 7700, and the basic loan for buying a car in the first year of insurance is about 6000, and then it depends on whether to entrust the store to handle all the formalities such as licensing. , plus the loan cost is about 1500. 3. The interest rate is 9 points, and the annual interest is 630000.09=5670. So the interest for three years is 56703= 170 10 yuan; 4. The vehicle landing price is 437,006,300 yuan17010 =120,800 yuan.

How much is the interest on the loan to buy a car?

Interest bearing.

Loans to buy a car generally have interest. However, some 4s stores will launch a 0-interest loan to buy a car. Although they will not charge interest, they will charge a higher service fee. The handling fee is similar to the loan interest, but it is actually disguised interest.

If it is a bank car loan, the loan interest rate generally fluctuates on the benchmark interest rate of the central bank loan. If it is a car loan from other financial companies, the loan interest rate is generally set according to market conditions, and there is no standard.

The benchmark interest rate for central bank loans is:

1, and the loan interest rate within one year is 4.35%:

2. The loan interest rate for one to five years is 4.75%;

3. The interest rate for loans over five years is 4.90%.

1. Now interest-free or zero down payment activities are generally launched to buy a car. Now, let me tell you some precautions to prevent being pitted. Now the so-called low down payment or zero down payment is mostly a pit. Maybe when you buy this car, you will find that it is settled in the name of the company, but the car and yourself are leased and must be paid off within the specified time. If it is illegal, the car will be recycled, and the money spent before will not be recovered.

2. There are still many merchants who attract friends who want to buy a car through zero down payment, but they can't resist the temptation. After buying it, they know that the merchants will tie in high insurance, force you to take full insurance on the pretext of buying a car with zero down payment, or let you buy some specific products of the insurance company. At this time, the insurance you buy will be more expensive than other people's insurance, and it will also make you buy some insurance that is not practical at all.

3. It should also be noted that you must confirm the time and amount of your repayment. When you buy a car with a loan, you must clearly list the procedures and expenses you need. Compare more and choose the channel that suits you. Don't just look at the so-called 0 down payment, low interest, or 0 down payment, 0 interest. These are routines. Everyone must read the contract carefully.

How much is the interest on car loan?

1. If you want to calculate the car loan interest rate, you must first understand the concept of a few cents. In the folk concept, "one point" is converted into a decimal point, which is 0.0 1. "One point" is converted into a decimal point, which is 0.00 1. For monthly interest, one point is 1% and one point is 0. 1%. If you want to ask how much interest the car loan is, you are actually asking what the monthly interest of the car loan is.

2. The calculation method of car loan interest is: loan amount, loan interest rate and loan time. The benchmark annual interest rate of a bank's three-year loan is 4.35%, which generally fluctuates according to the borrower's comprehensive qualification, and the floating range is generally between 10%-36%. Converted, the general annual interest rate of bank car loans is between 4.7% and 5.9%. According to the counterattack of the 4S store, the longer the borrower borrows, the higher the interest rate. General 1 year interest rate is about 3% 3, 2-year interest rate is about 6% 6, and 3-year interest rate is about 9% 1. The installment interest of most 4S shops is generally between 4% and 7%, and the interest of bank car loans will be slightly lower. If the borrower's personal qualifications are good, it is recommended to apply for a loan in the bank as much as possible. In order to attract consumers, many 4S stores will put forward some installment services with 0 down payment, but in fact, such services often have a lot of bundled consumption, which may exceed interest after calculation.

3. The interest of normal car loan is generally between 0.5% and 0.9% per month, which means the monthly interest is between 5% and 9%. The calculation of interest is generally based on the number of months in installments. The car loan interest rate rises according to the national benchmark interest rate. At present, the benchmark interest rate for car loans for one to five years is 4.75%.

4. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats).

How much is the bank interest on the loan to buy a car?

The interest on buying a car with a bank loan should be calculated as follows: 1, the interest rate item (%) within 6 months (including 6 months) 4.35, from 6 months to 1 year (including 1 year) 4.35, 1 to 3 years (including 3 years) 4. However, although the latest loan interest rate is lower than before, the interest rate for applying for auto loans will not become the benchmark interest rate for bank loans. The general bank car loan interest rate will fluctuate to a certain extent; 3. The interest rate of bank car loans fluctuates, which varies from bank to bank. Generally speaking, the interest rate of bank car loans is generally based on the benchmark interest rate 10%-50%; 4. Therefore, before handling the bank car loan, you must go to the local bank to consult clearly and understand the fluctuation of the bank car loan interest rate.

How much is the interest on car loan?

The interest rate of most car loans may be between 5% and 24%, but to know that the interest rate of car loans required by different banks is different, it is necessary to determine the specific interest rate for each year according to the specific situation of banks at that time and the number of years of car loans. These must be asked clearly to prevent being fooled when buying a car.

Among them, the car loan interest rate of China Bank, 1 year is 4%, but it is 8% in the second year and 12% in the third year, which shows that the car loan interest of China Bank will increase with time. Comparatively speaking, China Construction Bank basically pays 3 years within 1~3 years, and the interest is 5.3 1% multiplied by the corresponding years. In the case of 3~5 years including 5 years, the interest is 5.4% multiplied by the corresponding years.

Therefore, it can be seen that compared with the car loan of Bank of China, the annual interest growth of CCB does not fluctuate much, but it has a certain relationship according to the repayment period. The longer the repayment period, the same proportion will be paid every year, so it may be more cost-effective to borrow from CCB.