The loan interest rate of different models should be different. Some car factories have their own financial companies, and some have bank loans.
2. What is the annual interest of CCB's 65438+ 10,000 car loan?
It must be that the car loan interest rate is cheap and the credit card interest rate is not worthwhile.
According to your interest rate of 12000 yuan, the car loan interest rate should be 7.5%, which is much less than 10.8%. If the credit card is overdrawn, be sure to calculate the cyclic interest above 1920. Unless you can pay it off in one lump sum in a short time, the shortest time is only cheap 1920, one more day.
For the simplest example, your 65,438+ten thousandths of a year is paid off, which is about 3 1 10 every month according to the annual interest rate of the car loan of 7.5%. If calculated by 10.8%, it is about 3265 per month, which is obviously about 155 per month. So, I suggest you get a car loan. At most, it is trouble. Save 5~6 thousand yuan in two days, obviously no loss.
3./kloc-how to calculate the interest rate of naked car loan of 0/0 million yuan, and how much is the handling fee?
According to what you said, this hand is the right hand.
Fourth, how much is the down payment for buying a car100000, and how much is the interest for three years?
Generally, the down payment is at least 30%, and there is no interest on buying a car in installments. It's all called handling fee. Some cars do activities, free of charge within the prescribed time limit. The handling fee of the high point is about 65,438+6% in 0 years (loan 1 10,000, 1 6,000, 2 years10.2 million, 3 years 65,438+).
Suppose the bare car price is 65,438+10,000 yuan, the down payment is at least 30,000 yuan, the remaining 70,000 yuan, the loan 1 year, and the handling fee is 4,200 yuan, and each period is 5,833 yuan (70,000 divided by 1 2 months), that is to say, the first monthly payment of 42,005,833 yuan is divided into two periods. The first month's payment is 8,400,2965,438+07 = 65,438+0365,438+07 yuan, and then each period is 2,965,438+07 yuan. If it is a three-year period, the handling fee is 12600, and the payment for each period is 1944 yuan (70,000 divided by 36 months), and then 1944 yuan for each period until the 36th period is paid off.