Although buying a car with a loan allows us to use the car in advance, take buying a car with a price of 200,000 yuan as an example. If I have 6,543,800 yuan on hand, it is obviously impossible to buy a car in full, but there is no pressure on installment payment. In this way, you can enjoy the car at least one year in advance. However, the interest on the loan to buy a car will be more than the full amount.

① down payment for car purchase. The first thing to be solved when buying a car with a loan is the down payment. Generally, the down payment can be 20% and 30% through bank loans, 4s shops or car loan institutions respectively.

(2) purchase tax. For a car with a bare car price of 6,543,800 yuan, the standard purchase fee is 8,547 yuan.

③ Insurance, including two parts. Part of it is the insurance premium that the state requires car buyers to pay. Part of it is commercial auto insurance expenses such as three-person insurance, car damage insurance and vehicle personnel liability insurance. There are many types of insurance, and the insurance fees to be paid need to be determined according to the types of insurance and the price of the vehicle.

(4) Handling fee and service fee. Although there are no relevant laws and regulations that clearly stipulate that car loans need handling fees and service fees, some car loan institutions still need handling fees for car loans.

⑤ License registration fee, from the wording point of view, license registration fee is the fee for handling automobile license plate, which mainly includes the fee paid for on-line inspection of new cars, the fee for taking photos of extension numbers and the fee for new car license plate. If it finally comes down, it will cost about 65,438+0,000 yuan, but according to the actual situation, the expenses incurred in different regions will be different.