Total cost of full car purchase:

Total car purchase cost: 1374 1 1 yuan (including car price: 120000, purchase fee: 10256, insurance premium: 0).

Total cost of loan car purchase:

Car price: 12000

Your choice of payment method: 5-year installment; 30% down payment

Total down payment: 52,883.3 yuan, total down payment = down payment ratio of car price, and purchase fee insurance.

Total loan: 84,000 yuan = car price-down payment ratio of car price.

Average monthly repayment: 65,438 yuan+0,607.592 yuan.

5-year accumulative total: 96,455.52 yuan (= 565,438+0265,438+0607.592), of which interest expense is 65,438+02455.52 yuan.

Total expenditure: 149338.82 yuan, down payment, accumulated repayment for 5 years.

More than one loan of 927.82 yuan.

Second, the car price is 200,000. It is more cost-effective to pick up a car or borrow money to buy a car.

When we buy a car, we don't need a loan if we can pay the full amount, but the problem is that the budget is not enough, so sometimes not all problems can be explained by reason; The key is the budget. If the budget is sufficient, then buying a car in full must be the best solution (don't fantasize about saving money for investment, you can only borrow money if the budget is insufficient). It's cost-effective to talk about this at this time.

The car price is200,000. It is more cost-effective to pick up a car and borrow money to buy a car. When we buy a car, we can pay in full without borrowing money, but the problem is that the budget is not enough and there is no way not to borrow money, so sometimes not all problems can be explained by reason; The key is the budget. If the budget is sufficient, then buying a car in full must be the best solution (don't fantasize about saving money for investment, now you can only borrow money if the budget is insufficient. It is meaningless to talk about cost performance at this time!

There are generally three kinds of car loans, namely bank loans, car financing loans and private financial institutions (this needs to be cautious); Take the bank loan as an example. Although there is interest, the interest is really low, so it is the most cost-effective to buy a car and apply for a bank loan, but the application is very difficult and requires a lot of relevant certificates (most people can't apply); Car manufacturers' financial loans have interest (or interest, but there is a handling fee), so it is easy to apply. As long as you have the ability to work and repay, this is the simplest and most common way to buy a car with a loan. As for the loans of some private financial institutions, it is recommended not to touch them as much as possible!

About discounts for car manufacturers.

In the past, manufacturers' financial loans were interest-bearing, and 4s stores were also charged; Of course, in order to increase sales, manufacturers now provide loan subsidies, that is, discount interest. A car with a naked car of 200,000 yuan can generally get a discount of about 1 10,000 yuan, which is the welfare that the manufacturer sincerely provides for consumers (real money and silver welfare); However, the 4s shop will not watch this piece of meat fall into the consumer's bowl, so it will charge a handling fee or financial service fee to share some benefits; In fact, there is no handling fee and service fee for auto financing loans, so this is a typical example of dealers charging fees in disorder! So it's definitely not cost-effective to borrow money to buy a car, because even if the loan is discounted, there will be a handling fee or service fee (unnecessary fee)? After that, you have to buy insurance in the store for one year or three years (usually three years)? Moreover, if you buy insurance in a 4s shop, the insurance coverage is extremely complete, and the rebate is extremely small. You can get tens of thousands in three years. Do you think this is a good deal? Moreover, many loans now need to install GPS locators to buy cars. This thing is sold outside 180 yuan. When you arrive at a 4s shop, the price will suddenly reach several thousand yuan. Do you think this is a good deal? Finally, I will give you a one-stop card service. You waste too much money! So how can I get a loan to buy a car? This simple truth is understandable enough; Now the automobile industry is not easy to do, and many dealers are staring at loans to buy cars. Because there are many loan processes, many links and more oil and water, many 4s stores are trying their best to get consumers to borrow money to buy a car and even raise the price of the whole vehicle. The purpose is to attract consumers to borrow money to buy a car, because it is good for 4s stores! But let's look at it from another angle. It's good for 4s stores, but it's definitely bad for consumers, because neither buyer nor seller has won!

What is the difference between the car price of 60 thousand and the loan?

The price of this car is 60,000 pounds. What's the difference between full payment and loan? In terms of charging items, loans are much more than full car purchases. In addition to the same vehicle purchase tax, insurance and license fees, loans are more than full-price loans, and there are more loan fees, GPS locator fees, mortgage fees, loan interest, insurance deposits and other fees. Let's calculate the difference in specific costs in detail.

Full payment.

The total cost of car purchase is mainly car price, purchase tax, insurance and licensing fee, in which the car price is 60,000, the purchase tax is 60,000/1.7 = 5128, and the invoice price is divided by11.7 under normal circumstances; Insurance: the total amount of insurance is about 4000 yuan; License fee: 4S shops generally charge at least 500 yuan, but in fact, the real fee of the vehicle management office is 130 yuan. In this way, the cost of a model with a car price of 60,000 yuan is: 65,654.38+024,000,500 = 69,628 yuan.

Loan cost.

Loan, that is, 30% of the usual down payment, and the remaining 70% of the car money can be loaned to the bank. The shortest loan can be one year and the longest loan can be five years. It is generally suggested that three years is more appropriate, so that the monthly payment and interest will not be too tight. Of course, the specific situation still depends on our own actual situation. Here, let's calculate the loan for three years.

Compared with the full amount, the loan fee needs the same fee as the full amount, as well as the loan handling fee: generally calculated according to 3% of the loan amount, if calculated according to 3%, it is 60000 70% 3% = 1260 yuan; The cost of GPS locator: generally, it costs 2000 yuan, but in fact it costs only a few hundred yuan. Its main function is to know the location of your vehicle anytime and anywhere. You can rely on it to find your car when your repayment is overdue and you can't be contacted.

Mortgage fee: general car loans need mortgage loans. The handling fee is usually 1% of the loan amount, 100 yuan, 1% is Conscience 4S shop, and some of them are at least 5%. We calculate by 1%, that is, 6000070% 1 100=520 yuan; Insurance deposit: If you have to buy insurance in 4S store in advance within 3 years, this fee can be refunded. This is the routine of 4S shop, which is to prevent you from buying insurance outside. They usually ask for a year's insurance premium as an insurance deposit, 4000 yuan.

Interest: According to the current bank car loan interest rate of 3.75%, the three-year interest rate is: 67003.75% 3 = 4725 yuan. Of course, at present, many automobile brand manufacturers have preferential interest-free policies, depending on whether the models you buy have relevant subsidy policies.

Then after all expenses are calculated, the total down payment of the loan is: 6000030% 51284000500126020005204000 = 35408 yuan. Of course, the 4000 yuan insurance deposit here can be refunded in the end; At the same time, the total interest for three years is not included here, because many brands have discount interest-free policies, so it is not included, so the final actual down payment cost of the loan is 35408-4000=3 1408 yuan. In this way, when we add up the money and the bank loan, it is all the expenses needed to handle the loan, that is, 3 1408600070% = 73408 yuan.

To sum up, according to the above total payment and loan costs, the car price is 60,000 yuan, and the full amount needs 69,628 yuan; The total cost of the loan is 73408 yuan, so the difference between the two costs comes out, that is, 73408-69628 = 3780 yuan. It can be seen that the cost of a loan for more than three years is only 3780 yuan more than the full car loan, and the average annual cost is 1260 yuan. Mainly because I think the loan is more cost-effective, and I can enjoy the pleasure of using the car in advance with less money. The car price is200,000. Is it more cost-effective to pick up a car or borrow money to buy a car @20 19

3. If you buy a car of 200,000 yuan, what is the difference between installment and full payment?

It depends on the number of months you pay in installments. Then multiply the total price of your car by interest and then by time to know how much you have to pay back.

4. What is the difference between the loan and the full amount of a car with a price of 200,000 yuan?

Total car purchase cost: total car purchase cost: 1374 1 1 yuan (including car price: 120000, purchase cost: 10256, insurance premium: 5925, and other expenses:/kloc-0. 30% down payment: 52,883.3 yuan, total down payment = car price, down payment ratio, purchase fee, insurance fee, etc. Total loan amount: 84,000 yuan, total loan amount = car price-car price, down payment ratio, average monthly repayment: 1607.592 yuan, total loan amount in five years, cumulative coefficient: 96,455.52 yuan (= 5/.