Legal subjectivity:
First of all, the loan interest rate of the car buying bank is as follows:1-0/2 months annual interest rate 4.78% monthly interest rate 0.44% 24 months annual interest rate 4.94% monthly interest rate 0.4575% 13-36 months annual interest rate 4.94 1% monthly interest rate 0.4575%. If the purchased vehicle is used for business purposes such as rental operation and car rental, the longest period is generally not more than 36 periods (i.e. 3 years).
Legal objectivity:
Measures for the Implementation of Special Tax Adjustment (for Trial Implementation) Article 107 Where the tax authorities make special tax adjustments to enterprises in accordance with the provisions of the Income Tax Law and its implementing regulations, they shall pay extra interest on the enterprise income tax collected after the transaction on June 65438+ 10/2008. (1) The interest period starts from June 1 day following the tax year and ends on the date of tax payment (prepayment) and warehousing. (2) The interest rate is calculated by adding 5 percentage points to the benchmark interest rate of RMB loans of the People's Bank of China (hereinafter referred to as the "benchmark interest rate") implemented on February 3 1 day of the tax year to which the tax belongs, and the daily interest rate is converted into 365 days a year. (3) Where an enterprise provides information and other relevant information for the same period in accordance with the provisions of these Measures, or an enterprise is exempted from preparing information for the same period in accordance with the provisions of Article 15 of these Measures, but provides other relevant information in accordance with the requirements of the tax authorities, interest may be calculated only at the benchmark interest rate. An enterprise is exempted from compiling data for the same period in accordance with the provisions of Item (1) of Article 15 of these Measures, but after investigation by the tax authorities, its actual related party transaction amount reaches the standard of compiling data for the same period, and the tax authorities charge interest on overdue tax, the provisions of Item (2) of this article shall apply. (4) The interest charged according to the provisions of this article shall not be deducted when calculating the taxable income.
How to calculate the interest on the loan to buy a car? What is the interest?
Interest rate of personal consumption car loan of China Bank:
Personal consumption car loans are based on the quotation rate of the same grade loan market recently announced by the National Interbank Funding Center. In each floating cycle, pricing is based on positive and negative basis points, with loan interest rate = positive basis point of reference interest rate adopted on each pricing day or loan interest rate = negative basis point of reference interest rate adopted on each pricing day.
The above contents are for your reference. Please refer to the actual business regulations.
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.