The interest on truck loans is the same as that of ordinary cars. According to the different ways of car loan, there are three kinds of interest rates or handling fees for how to calculate the interest of freight car loan:
1, bank loan interest
The bank's benchmark interest rate in automobile mortgage for three years is 6. 15%, and the loan interest of different banks and different maturities is different. The actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. For example, the interest on a three-year futures car loan of 654.38+ten thousand yuan is generally 654.38+ten thousand *6. 15%, that is, 6 150 yuan.
2. Credit card fees
If you buy a car by installment with a credit card, there is no interest on the truck loan, but there will be an installment fee (except for a few vehicles that are designated as free of charge). General 12 installment total cost is above 10%. There are two payment methods for credit card installment fees: one-time payment and installment payment, and different banks have different credit card installment fees.
3. Other handling fees
Some car loans need to be secured. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed.