Buying a car by installment is based on the invoice price of the car. At the same time, the down payment price, monthly payment, insurance and purchase tax are all based on the invoice price, and the audit reference standard of banks or manufacturers' financial institutions is also based on the vehicle invoice. If the invoice is low, choose a car to decorate or add money, and the transaction amount higher than the invoice is uniformly included in the down payment!

Second, how to calculate the installment payment for buying a car?

The calculation method of monthly payment for automobile installment repayment is as follows:

1, average capital repayment method:

Calculation formula: monthly payment = (loan principal ÷ repayment months) (principal-monthly interest rate;

The average capital also adds the interest of the remaining outstanding loan principal in the previous repayment period to the current repayment period.

2. Matching principal and interest repayment method:

Calculation formula: (1 monthly interest rate) repayment months-1];

Equal principal and interest repayment method is equal repayment in each installment.

In addition, average capital repayment method and average capital repayment method have loan interest, but the early repayment pressure is relatively high.

Extended data:

Temporary storage:

1. Application Form: It is very important to fill out the application form for automobile consumption loan. Generally speaking, important information in the form, such as age and repayment ability, will be the conditions for you to apply for a loan.

2. Personal data: household registration book, guarantor's ID card, housing certificate and personal income certificate. All documents must be original and photocopy, and generally two copies need to be prepared.

3. Proof of repayment: To buy a car by stages, you must have a stable source of income, and you need to provide yourself with contributions that do not exceed 60% of the total disposable income of the family for three to six months.

4. The third-party natural person shall provide guarantee for repayment of loan principal and interest. Note: Husband and wife cannot guarantee each other.

Yes, the insurance company can insure it at one time.

6. Other conditions stipulated by the bank.

Third, how to calculate the installment payment for buying a car?

At present, the common ways to buy a car by installment are credit card installment and loan installment. For car purchase by stages, the minimum down payment is 30% of the bare car price, and the loan period is 1-3 years. Down payment = car bare car price down payment ratio car purchase cost. Loan amount = purchase price of new car-down payment amount of bare car price. Monthly repayment amount = loan amount and loan time. Buying a car by installment is a common payment method, which is actually a loan provided by the seller to the buyer. When trading goods, the buyer can get the goods he needs only by paying a small part of the payment to the seller, but this installment payment method will generate certain interest, which means that buying a car in this way is more than paying the payment in one lump sum. Take the price of 70,000 cars as an example. Under normal circumstances, the down payment is 30%, and the interest generated will be around 200 yuan every month. You can choose the installment period, and the repayment period can be divided into one year, two years and three years. At the same time, the down payment of goods can also be paid by 30%, 40% and 50%. On the one hand, it is for the seller to complete the sale, on the other hand, it is to provide convenience for the buyer. Million car purchase subsidy

4. How to calculate the installment payment for buying a car?

Buying a car by stages depends on how many years you divide and how much you pay down. Other licensing fees, insurance premiums and purchase taxes are not included in these stages.

For example, if you buy a 300,000-yuan car body, you can make a down payment of 30%, that is, a down payment of 90,000 yuan, and then leave 2 1 10,000 yuan. If you pay it in three years, you have to pay 5833 yuan of bank interest every month (the interest of each bank is different, you should know this from the car dealership).

Precautions for car purchase by installment: