First of all, we need to understand a concept, that is, what is the cost of buying a car by stages? Generally, the cost of car purchase by installment includes naked car+insurance+purchase tax+vehicle and vessel tax+license fee+mortgage fee+loan interest. The price of bare car is 75 thousand, and the down payment is 30 thousand. Insurance is basically calculated according to all risks, and new cars need all risks.
On the basis of 500,000, plus car damage insurance, theft insurance and other insurances, you need to pay about 4,600 plus commercial insurance 950, so the insurance cost alone will be about 5,550 yuan, and the vehicle and vessel tax 1.0- 1.6 displacement will be about 420 yuan, so here you need 6,000 yuan, insurance plus vehicle and vessel tax. The purchase tax is /( 1+ 13%)× the purchase tax rate (10%), so according to the car price, there is a purchase tax of more than 6,000 yuan, and the current car license fee is around 2,000 according to different stores, and the handling fee ranges from 1500 to 3,000.
The interest on the loan depends on where to buy a car. After all, the bank's loan interest is different from the car dealer's own loan interest. Take the bank as an example, the monthly payment of the car that needs to be repaid is about 1.579 yuan. Apart from this money, other expenses are basically not much. Now many mortgage fees are transparent, but different banks that cooperate with car companies are different.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.