1. Algorithm of car down payment: 1.
2. 30% down payment.
3. First of all, the general loan car purchase should be 20% or 30% of the total down payment (depending on the region); In other words, a car of around 200,000 needs a down payment of 40,000 to 60,000.
If you think it's ok, please look down.
5,2. Then you have to pay the purchase tax; 8% of vehicles (calculated by displacement) cost about 16200 yuan; The license fee ranges from 200 yuan to 30,000 yuan (depending on the region; For example; Beijing to 260 yuan, Shanghai to 36,000 yuan; It's terrible; So don't think about it in Shanghai); Then you have to pay off all the insurance (car damage; Third-party liability is mandatory); 3. According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range.
6. The car loan period of major banks generally does not exceed 5 years. The interest rate of car loan directly determines the cost of people's loans, thus becoming an important factor in determining whether people borrow.
How much is the down payment for buying a car?
The general down payment for buying a car ranges from the highest 50% to the lowest 20%.
The down payment for buying a car by installment can be determined according to your actual cash situation. Generally, you can choose 20%, 30%, 40% and 50% down payment, ranging from the highest 50% to the lowest 20%. In short, the higher the down payment ratio, the less conditions need to be reviewed.
For example, a down payment of 30% requires the buyer to provide valid identification, the married person to provide a marriage certificate, and the buyer to provide a real estate license. The most important thing is to provide a bank cash flow (1-2 years of running water) to prove that there is a stable and legal source of income. If the down payment ratio is above 40% (including 40%), you only need to provide your ID card, and you don't need to provide proof of bank running water.
In addition to the down payment, many car dealers now offer a "zero down payment" discount, which is a tailor-made car purchase plan for people with insufficient cash savings but stable income sources. Now "zero down payment" and "interest-free loan" are two mainstream car purchase schemes. You can choose "zero down payment interest-free loan" in combination. In short, you can easily buy a car as long as you prove that you have a "stable source of income".
Auto loan methods are:
First, credit card installment payment
Buying a car by installment with credit card is the most popular way of car loan, because of its fast approval speed and simple procedures, but the models of this way will be restricted and the loan period will be short.
Second, bank loans.
Bank car loan is the most common loan method. You can apply directly to the bank or through the car dealer. However, this method also has some shortcomings, such as complicated application procedures and slow loan time.
Three. Auto finance company loan
The biggest advantage of auto credit through auto financing companies is "low threshold and fast loan", but it also has the disadvantage of "high interest rate and expensive handling fee".
What is the maximum down payment for car loan?
Personal consumption car loans are issued in accordance with the requirements of the maximum loan ratio, and the loan amount shall not exceed the requirements of the maximum loan ratio. At present, the highest proportion of personal car loans is:
1, and the maximum loan ratio for self-use traditional power vehicles is 80%;
2. The maximum loan for self-use new energy vehicles is 85%.
The above-mentioned car price refers to the lower of the actual transaction price of the car (excluding government subsidies and various additional taxes and insurance premiums). ) and the price announced by the car manufacturer.
For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
How much is the general down payment for a loan to buy a car?
From 20 15, the minimum is 20%, and the down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%. If your credit and financial strength can't meet the company's standards, you may be required to increase the down payment.
The minimum down payment is 20%. The People's Bank of China stipulates that the down payment ratio of individual car loans and car loans shall not be less than 20%. However, due to the credit crunch during the year, some banks in Shanghai have increased the down payment ratio of personal car loans from 20% to 30%-40%.
If you want to buy a 100w BMW, you should pay 20%-50% down payment for buying a car by stages, and the general bank requires 40%-50%. Some car dealers can get 20% or even lower if they find some financing companies.
Extended data:
If you buy a car down payment, you need to pay 20-50w, or even lower. For car buyers who intend to apply for personal car loans from banks, they should prepare the down payment in advance according to the market price of the models.
The general bank's provisions on the amount of personal car loan products mainly include: personal credit or joint liability guarantee can guarantee a maximum loan of 200,000 yuan; Apply for mortgage with the purchased vehicle or real estate, and the loanable amount is 70%; If a third party applies for secured loans (except banks and insurance companies), the loanable amount is 60%.