Matching principal and interest means that the principal increases month by month, the interest decreases month by month, and the number of monthly repayments remains the same, that is, how much repayment is fixed every month;
In the average capital, the principal remains unchanged, the interest decreases month by month, and the number of monthly repayments decreases.
The down payment needs 30%, which is about 60 thousand yuan, but it includes licensing, tax payment, insurance, etc. At least 65,438+10 thousand yuan should be prepared for the down payment.
If the bank's loan interest rate is 4, then the down payment is 30%, and the loan is 70%, that is,140,000 plus interest, and the annual interest is140,000 *0.04= 5,600 yuan per year. If the loan is calculated for three years, the interest for three years is 5600 * 3.
According to the principal plus interest, the total * * * is140000+16800 =156800. If it is paid off in three years, it is 36 months, then the monthly repayment is 156800/36=4355 yuan.
Another is that car manufacturers can participate in activities at zero interest rate. For example, you can participate in activities within two years without handling fees or interest. This kind of activity is more powerful and can save a lot of money.
Extended data:
Auto consumption loans, credit card installment loans and auto finance company loans are still mainstream consumer finance products, and auto loan families can choose appropriate repayment methods according to their own income:
-Wait for Ben to pay the loan. The repayment amount of each installment is gradually decreasing, the loan term is 13 to 60 months, and the down payment is as low as 20%, which is suitable for customers who pursue high cost performance, high income and stable cash flow.
-Equal repayment of loans. The monthly repayment amount is the same, the loan term is 13 to 60 months, and the down payment is as low as 20%. Suitable for customers with a balanced and stable monthly income.
-Repay the loan in installments. Divide the loan into several segments, each segment contains several phases, and the total amount of each phase is different in each single repayment segment. Its characteristic is low monthly supply, which is suitable for people whose cash flow fluctuates greatly but is relatively regular. At the end of the loan, the customer has two choices, one is to pay the final payment in full, and the other is to replace the used car.
-Intelligent repayment, which divides the loan into two parts, the first payment and the last payment, and returns them separately. At the end of the loan, the customer has three choices: one is to pay the final payment in full; Second, apply for extension 12 months; The third is the replacement of used cars. It is characterized by low monthly payment, which is suitable for customers with avant-garde and fashionable life, large demand for vehicle renewal and a large amount of extra income in a certain period of time.
-Worry-free wisdom to repay the loan, commonly known as "half loan and half payment". When the loan is repaid 50%, the customer has three choices: one is to pay the final payment in full; Second, apply for extension 12 months; The third is the replacement of used cars. Compared with smart repayment, the monthly payment is lower, which is suitable for people with certain savings, large cash flow fluctuation, avant-garde lifestyle and great demand for vehicle renewal.
References:
Is the loan to buy a car an incentive or an obstacle? -People's Network Car-People's Network Mortgage Car _ Baidu Encyclopedia