The easiest way to calculate the car loan is to use the car loan calculator to complete the calculation of various expenses. General car loan calculator provides three calculation types: full car purchase, loan car purchase and insurance calculation.
The complete car purchase function of the car loan calculator includes calculating the necessary expenses such as car purchase price, purchase tax, licensing fee, vehicle and vessel use tax, and total commercial insurance expenses. The loan to buy a car has increased the expected annualized interest rate, down payment, loan amount, monthly payment and other loan details. , to help users calculate the total cost, while insurance calculation only calculates the auto insurance cost selected by users.
What are the main websites that provide car loan calculator services? The car loan calculators with good results are car home's car purchase expense calculator, Pacific Auto Network's car purchase calculator and Easy Car Network's car loan calculator. Users can log in to official website for inquiry.
Used car loan calculator to buy a car
The second-hand car loan calculator is a calculator specially used to calculate the monthly payment of car loans, which is similar to the mortgage calculator in essence but slightly different.
Term of car loan: Generally, the term of car loan is 1-3 years, with a maximum of 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years.
Car loan interest rate: the loan interest rate of used cars is generally higher than the mortgage interest rate, so you can find a suitable bank to handle the loan yourself.
Repayment method: you can choose one-time repayment of principal and interest and installment repayment.
Generally, second-hand car dealers lend about 7% interest, which is 0.7% monthly interest, which translates into 8.4% annual interest. If the down payment is 30% or 50% and the loan term is 24 or 36 years, the annual interest rate of the loan is 6.6%.
Loans in the used car market are different from new car loans, and there will be some preferential subsidies. Moreover, for a three-year loan for used cars, the minimum down payment is 50%, and the total interest is more than 20% of the total loan. The calculation formula of loan interest for used cars is: monthly payment × loan term-loan amount = total interest.
How to calculate the mortgage for buying a car?
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First, how to calculate the mortgage of automobile loan
The formula for calculating the monthly payment of the matching principal and interest repayment method is: monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]
Average capital repayment method: Monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Operation steps of the automobile loan calculator:
Step 1: First, choose whether the repayment method is average capital or equal principal and interest, and fill in the car loan period, loan amount and actual loan interest rate;
Step 2: Select whether to display repayment details, and click the Calculate button to obtain detailed information such as monthly repayment amount, total loan interest, total repayment amount and so on.
Note: The auto loan calculator is only applicable to loans with monthly repayment of principal and interest, not to loans with one-time repayment of principal.
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2. How much interest does the bank automobile mortgage need?
To calculate the interest of bank automobile mortgage, we must first understand the loan interest rate. At present, the benchmark loan interest rate is: 5.60% for less than one year, 6.0% for one to five years and 6. 15% for more than five years. Banks will be based on the benchmark interest rate of loans, and then float according to the actual situation of borrowers. Due to the different risk control methods of major banks and the actual situation of each borrower, we will calculate the benchmark interest rate.
Generally speaking, there are five maturities for bank automobile mortgage, namely 12, 24, 36, 48 and 60. The loan interest is directly related to the loan term. Suppose we need a loan of 200,000 yuan, and we all choose the repayment method of equal principal and interest. The loan 12 needs to pay 6 1 18.45 yuan, the loan 24, 12738.93 yuan, the loan 36, 19037.95 yuan and the loan 48,25456 yuan.
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How to calculate the monthly payment for buying a car
How to calculate the monthly payment for buying a car
To apply for a loan from China Merchants Bank, you need to know the loan principal, loan term, repayment method and annual interest rate, and calculate the loan interest or monthly repayment amount. If the above information is confirmed, you can try to calculate through our loan calculator, log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" to calculate.
How to calculate the loan to buy a car
How to calculate the loan to buy a car
For example, the loan is 6,543,800 yuan.
Matching principal and interest method: loan principal: 100000, assuming annual interest rate: 4.750% and loan term: 3 years; Monthly repayment amount of principal and interest: 2985.88 yuan, total repayment amount of principal and interest: 10749 1.68 yuan, * * interest payable:. The interest paid in 1 month is: 395.83; The first 1 month principal repayment amount is: 2590.05; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)
loan purchase
You need a down payment of 65804 yuan.
Monthly payment is 3547 yuan (24 months)
The total cost is 150932 yuan.
It cost 5 128 yuan more than the full car purchase.
I can give you a website.
Take a look.
I am just like you.
I want to buy a car, too
The price is similar.
Hmm. How interesting
hope this helps
20 1 1 Loan to buy a car calculator Loan to buy a car calculator
This is very common! At present, there are many ways to apply for a car loan, and the most common ones are two ways: personal credit loan to buy a car (without mortgage or guarantee, you are generally required to have good credit and stable work income), or real estate mortgage loan to buy a car (using real estate as collateral). Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate is mainly determined according to your loan type and your personal qualifications.
Car loan down payment refers to the down payment when a car consumer buys a car. It means that consumers who want to buy a car borrow money from auto financing companies or banks to buy a car. After the loan application is approved, the consumer will pay a certain amount to the bank or auto financing company in advance according to the relevant down payment regulations of the bank (the minimum down payment required by the general bank is 30% of the car payment).
What should I do if I didn't pay back the car loan last month?
If our one-card card is used as a loan deduction account, it will generate penalty interest and compound interest if it is overdue; The system will repay the overdue loan principal and interest in installments in the order of overdue time (in the order of compound interest, default interest, interest receivable and overdue principal) from the date when the loan should be repaid.
Will the monthly payment for buying a car be reduced?
It depends on your repayment method, for example, the equal repayment method is to fix the monthly repayment amount in advance under the condition of constant interest rate, which is convenient for you to remember.
The repayment method in the average capital is to divide your loan principal into equal parts within the loan period, and the loan principal returned every month is the same.
How to calculate the installment of 260 thousand loan to buy a car
1, a loan to buy a car usually requires a down payment of 30%, and the rest of the car can apply for a mortgage loan.
2. The specific monthly payment can only be calculated according to the selected loan method, loan term and loan interest rate.
3. At present, the car loan interest rate is generally around 4%~5%, and the annual interest is 260000x4%= 10400 yuan.
How to calculate the monthly mortgage loan for buying a car?
Hello, the loan is the result of comprehensive calculation based on the loan amount, execution interest rate, loan term, repayment method and other factors. It is impossible to calculate the actual monthly payment only by the loan amount.
If you want to calculate the monthly information for reference, please open the following link:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment. (You can view information such as monthly payment, monthly payment principal, monthly payment interest, principal balance, total interest and total repayment).
How to calculate the cost of buying a car with a 20 14 loan?
Take the car loan of about 80,000 yuan as an example, and the related expenses are as follows:
Cost 1: down payment = purchase price ×30%, that is, 80,000× 30% = 24,000 yuan.
Expense 2: Auto insurance-including personal accident insurance of the borrower (the first beneficiary is the bank), burglary insurance, spontaneous combustion insurance, third-party liability insurance and car damage insurance, and the insurance premium is about 3,200 yuan.
Fee 3: notarization fee for loan contract 100 yuan (charged by notary office) and vehicle mortgage fee 300 yuan (charged by vehicle management department).
Expense 4: Other normal expenses, such as vehicle surcharge, are the same as non-loan car purchase.
Loan car calculator 20 15
If you want to try to calculate the information of "monthly payment/loan interest" for reference, please go to the home page of China Merchants Bank and click "Financial Calculator"-"Personal Loan Calculator" on the right to try to use the loan interest rate you applied for for for trial calculation.
Auto loan online calculator
The loan calculator is a calculator specially used to calculate the monthly payment of car loans. Different repayment amounts can be calculated according to different repayment methods and repayment years.
Because the repayment method of automobile loan is more flexible than mortgage loan, the general loan calculator can not meet the requirements of calculating automobile loan.
In addition, the fixed-term interest rate is different from other places, and a good car loan calculator needs strong background data support. The loan calculator provided by general websites can only calculate simple equal repayment or equal repayment methods.
Why must the bank interest rate (deposit and loan) be an integer multiple of 9?
Because only multiples of 9 can be divisible by (12) months or (360) days of the loan term, there will be no circular decimal phenomenon.
Loan car calculator
A comprehensive car calculator can help you buy a car conveniently. . . Yuan (car price ×0. 9% 175)。 No liability insurance: RMB (
Loan car calculator:
This concludes the introduction of mortgage car calculator and loan car calculator 2020. I wonder if you found the information you need from it?