If the 3-year car loan interest rate is calculated according to the annual interest rate of 6.4% stipulated by the central bank,

Matching principal and interest repayment: monthly payment: 3,978.43 yuan; Principal and interest: 143223.5637 yuan; Interest: 1.4 million yuan.

The interest rates of different banks may be different, but it's only a small amount of money.

Supplementary information:

1, car loan interest = loan amount, loan interest rate and loan time, and the specific interest is calculated according to these three parameters.

2. For bank car loan payment, the biggest payment cost is payment interest.

3. Different banks, different loans and different interest rates. The benchmark interest rate for 3-year futures is 6.4%. The actual loan interest rate is usually higher than the benchmark interest rate.

4. Most of the benchmark interest rates go up by 30% to 40%. Are there any other expenses besides mortgage interest? It depends on the specific situation of payment.

Extended data:

First, the conditions for applying for auto loans

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

Choose a bank loan to buy a car, the loan interest rate is moderate, and there are many kinds of cars to choose from. However, in the process of handling loans, it actually takes time and energy. In order to control risks, banks usually spend a long time reviewing and require applicants to submit a lot of information. If you want to apply and are not afraid of trouble, bank loans are a good choice;

As we all know, credit cards don't charge interest by installment, which is also the biggest advantage of buying a car by installment. At the same time, credit card installment is convenient and quick, and it can be done with one phone call. Sometimes banks can enjoy certain discounts when they cooperate with car dealership companies.

Two. Information to be provided for car loan

1, personal loan application;

2. Valid identification of individuals and spouses;

3, I and my spouse's occupation, position and income certificate;

4. Marriage certificate (unmarried certificate is required, except those who have not reached the legal age for marriage) and household registration book;

5. Original ID card, residence booklet or other valid proof of residence, and provide a copy;

6 car purchase agreement, contract or letter of intent signed with the dealer;

7. Proof of deposit or down payment;

8. The supporting documents or materials required for the guarantee;

9. Other documents required by the Cooperation Organization.

How to calculate the monthly payment for buying a car?

Calculation method of monthly mortgage payment for car purchase: 1, and monthly repayment formula of equal principal and interest repayment method: monthly repayment amount = [loan principal× monthly interest rate× (1interest rate) repayment months ]=[( 1 interest rate) repayment months-1]; 2. The calculation formula of monthly payment of repayment method in average capital: monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate; 3. After you are optimistic about your favorite model, go to a qualified dealer who cooperates with the bank to buy a car. At the same time, we must sign a car purchase contract. This contract should specify the car price, taxes, insurance payment methods, and also specify the proportion of the remaining mortgage. Everyone should look at them one by one, and don't write a general price.

I want to buy a car with a loan, about 70 thousand yuan a month. How much is it

This question needs to take into account the time and amount of your loan. The bank will see how much you want to borrow and how much you want to pay back in a few years. This matter is mainly a matter of interest or handling fee.

For example, suppose you pay 30% down payment on your car and want to pay off the loan within five years. Then your down payment is made up of these items.

The car payment is 30% 2 1, the purchase tax is 5983, the insurance (including compulsory insurance, 500,000 for all risks) is 5000, the license fee is 400, the travel tax is 360, the 4S loan fee is 2500, and the down payment is 35243.

The first month repayment: 209 14000 (handling fee), and the other 23 months repayment: 2083.

information needed

1, personal loan application;

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

3. Household registration certificate or long-term residence certificate;

4, personal income certificate, provide proof of family income or property when necessary;

5. Certificate of intention to buy a car issued by the car dealer;

6. Loan to buy a car down payment certificate;

7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

How much is the car loan paid back every month?

The car loan interest rate is not fixed. According to the regulations of the central bank, the benchmark interest rate is implemented for car loans, but financial institutions can float within a certain range of the benchmark interest rate.

The repayment period of most car loans will not exceed 5 years, and the annual interest rate of car loans will not be lower than the national benchmark interest rate. The national benchmark loan interest rate 1-5 years is 4.75%, and the one-year interest rate is 4.35%, so the minimum annual interest rate for general car loans is 4.35%.

The car loan interest rates of various banks are generally as follows:

1: Bank of China: loan term 1 year, loan interest rate of 4%; 2 years, 8%; 3 years, 12%.

2. China Construction Bank: 1-3 years (including 3 years), 5.3 1% years; 3-5 years (inclusive), 5.4% years.

3. Industrial and Commercial Bank of China: within 6 months (including 6 months), the car loan interest rate is 5.60%; The car loan interest rate for 6 months to 1 year (including 1 year) is 6.00%; 1-3 years (including 3 years), 6. 15% years; 3-5 years (including 5 years), 6.40% years; More than 5 years, 6.55% years.

The higher the loan principal, the longer the repayment time and the higher the interest rate, the car loan interest rate is not static. There are many factors that affect the interest rate of car loan. The car loan interest rate is adjusted by the lending institution according to the benchmark interest rate of the central bank. The accurate loan interest rate will also be influenced by personal credit information, the lending institution's own situation and the borrower's own factors.

How much is it to buy a car with zero down payment and interest-free loan every month?

Buying a car with zero down payment and interest-free loans must be very cost-effective for many friends who have not been exposed to enough car loans. Actually, it is not. It depends on the amount of the car bought and the insurance and service charges to be paid. How much is it to buy a car with zero down payment and interest-free loan every month? Next, let's calculate this account for everyone.

Buying a car with an interest-free loan, as the name implies, is to set the interest of the loan to zero, and only need to repay the principal of the bank. However, interest is the profit point of these lending financial institutions.

There are two common loan methods in the market:

1, "1-3-year interest-free loan law"

This is also the most common mortgage method in the market. When consumers buy a car by mortgage, they only need to repay the principal, and all the interest generated during the period shall be borne by the dealer. However, only within the interest-free period stipulated by the manufacturer, the repayment is zero interest, and the expenses generated by interest will be paid normally in the remaining months.

2. "13 months interest-free loan method"

The longest term of this method is 13 months, and the repayment within the specified period is zero interest, and early repayment is not supported.

How much is it to buy a car with zero down payment and interest-free loan every month? Specifically, the monthly repayment amount of a car with zero down payment and interest-free loan = (full car payment, service fee and insurance premium)/repayment months.

Therefore, there is a time limit for zero-interest down payment, usually in the first year of buying a car. How much money will be paid each month depends on the model purchased by the user and the service fee and insurance premium to be paid.

So much for the introduction of how much you have to pay back for a car loan every month.