Take Volkswagen Magotan 1.4T with 2020 280TSI automatic comfort as an example. Official guide price 186900 yuan. At present, the highest discount for dealers in Guangzhou is 50,000 yuan, so the actual bare car price of this Volkswagen Magotan is136,900 yuan.

Then the installment payment of this Volkswagen Magotan is divided into 24 installments according to the down payment of 30%. After the loan amount is 95,830 yuan, the handling fee is 2,000 yuan, the commercial insurance is 5,234 yuan, and other necessary expenses such as purchase tax and license plate are13,985 yuan, this Volkswagen low-priced version of Magotan can be picked up with a down payment of 62,289 yuan, and the monthly payment is 465 yuan.

Matters needing attention in installment payment

Installment payment is a price settlement method of housing credit sales business, which is widely used in housing sales. In this way, the buyer usually pays more than one-time payment, but at the same time it can reduce the possible losses in the auction, such as "unfinished houses", as well as the decline in house prices other than the down payment and the changes in the economic situation of the buyer.

Loan installments are generally paid off in several years. The key here is when the installment payment will start except the down payment, in other words, when the loan bank will hand over the loan from the property buyer to the real estate developer. This time can start as soon as the loan procedure is completed, or it can start as soon as the house is handed over, which is more beneficial to the buyers.