1. Car mortgage loan calculation
1. The loan must be obtained through a 4S store. Even if you find a loan from a banking institution such as China Construction Bank that offers interest-free and handling fees, you still need to go to Get a stamp in the store and ask the loan specialist there to stamp and fill in the information for you. There is a gap between the loan you calculated online and in reality. The loan calculated online does not include certain handling fees, such as loan service fees, mortgage Fees, notary fees, renewal deposit (limited to full-risk deposits being refundable during the loan period), loan deposit (some lending institutions require this, this money is the bank's deposit after it is collected, and will be used as a deposit if you fail to repay in time. One monthly repayment is usually 5) of the loan amount, etc. 2. How to calculate a car loan: For example, if the car price is 100,000, the down payment is 30, and the term is 3 years, you need a loan amount of 70,000, a down payment of 30,000, a notary fee of 150, a mortgage fee of 200 (The fee required to take the motor vehicle registration certificate to the vehicle management department to apply for car loan mortgage business) The license fee is 400 (generally it will not exceed this price, the quality of the license plate number is random, good numbers will definitely cost you extra money) The surcharge is 8550 (that is, the vehicle purchase tax, which must be paid. It is handled in the vehicle purchase tax hall. The half calculation method is the invoice price / 11.7). The insurance premium is 6200 (about this price, you need to buy compulsory insurance, vehicle and vessel tax, and vehicle damage insurance). , three types of insurance, theft and rescue insurance, excluding deductible insurance, spontaneous combustion insurance, designated repair insurance, water-related insurance is recommended. There has been a lot of rain recently, and the first six items are generally must-have insurances. They vary slightly from place to place, and the insurance premiums are also slightly different. Different) Management fee 3,000 (service fee for applying for your loan, charging standards vary from place to place, our local price is 3) Renewal deposit 2,000 (limits the cost of full insurance during the loan period, after the loan ends and you comply with the regulations After renewing the full insurance during this period, it will be fully refundable (charges vary from place to place). The loan deposit is 3,500 (the deposit paid to the bank is usually 5% of the loan amount). The car payment is about 5,400. The monthly repayment is between 2,160---2,420. For example, if China Construction Bank charges interest-free handling fees, the monthly repayment is 70000/36=1945, but the first monthly payment requires a one-time handling fee of 7000012=8400 and the first monthly repayment of 1945, totaling the first monthly payment. Monthly repayment: 10,345, then monthly repayment is 1,945, and the handling fee is 8,400 non-refundable. I hope it will be helpful to you, and I also ask for your criticism and advice.
2. I want to buy a Great Wall M2. For example, how much more will I have to pay for a car loan of 70,000 yuan than in cash? If I get a loan, how will the insurance purchase tax be calculated? I will still spend more.
10,000 registered license insurance is not included
3. After the epidemic, will the car market rebound in 2020? Let’s talk about some opinions and suggestions
Foreword: The Gengzi Year is the traditional Chinese calendar of the Sixty Years.
According to legend, the ancients who were good at observation discovered long ago that whenever the year reaches the year of Gengzi, there will be more natural disasters, frequent emergencies, and some major events that shake the world and affect stability are also prone to occur. in this year. Therefore, stories about Gengzi’s prophecy, Gengzi’s disaster, Gengzi’s great hurdles, and Gengzi’s reincarnation have been circulating among the Chinese people.
2020 is the first Gengzi Year in the millennium. The new coronavirus swept Wuhan at the beginning of the year and began to spread across the country. The ensuing comprehensive shutdown and extended holidays have hit all walks of life hard. For the car market that has entered the cold winter, it is even worse.
The downturn in the auto market is not optimistic
Public data from the China Automobile Association shows that due to the dual impact of the Chinese New Year and the epidemic, sales of major auto companies were bleak in January, and sales in February were also affected. Affected by the impact, it suffered a cliff-like landslide of 92% year-on-year in the middle and early half of the year. It is expected that the year-on-year decline this month will be concentrated in the 50-80 range. Car sales in February 2019 were 1.45 million vehicles. If calculated as a 50% year-on-year decline, car sales in February 2020 are expected to be around 800,000 vehicles.
In fact, this is not the first time that a national epidemic has had an impact on the automobile industry. As early as the SARS period in 2003, the epidemic significantly reduced enthusiasm for automobile consumption. Data shows that during the severe epidemic period (March 2003) -May), car sales growth fell by 25.8 percentage points. As the epidemic is brought under control, enthusiasm for automobile consumption will quickly recover in the second half of the year. In 2003, the annual automobile sales volume was 4.39 million units, a year-on-year increase of 35.2%.
Can the sudden epidemic in 2020 become a driver of urgent demand for automobiles like SARS in 2003?
Today is different from the past, facing new challenges
What is different from the year of SARS is that in 2003, the automobile market was still dominated by families for the first time. However, 17 years later, in 2020, automobile sales The number of vehicles has increased from less than 5 million to more than 25 million, and the proportion of first-time car buyers has dropped to less than 50%. The demand for the automobile market has dropped significantly.
Judging from the current situation, the epidemic situation has improved greatly since the stalemate, and the country has begun to encourage the resumption of work. However, people’s enthusiasm for consumption is generally low. Except for necessary travel, most people choose to observe at home. From this, it can be inferred that March will not be Won't get a quick rebound. From the impact of the New Year's Day in January to the impact of the epidemic in February and then to the impact of staying at home in March, it is foreseeable that the sales volume of the auto market in the first quarter and even the first half of 2020 will decline significantly.
In addition, the sudden epidemic has also broken the original order and balance of the market. After starting operations, major car companies in the existing market not only face fierce competition from their peers, but also have to consider the decline of subsidies and the switch to National VI It is self-evident that the consumer enthusiasm to quit and the many difficulties will test the auto market.
Opinions and Suggestions on the Trend of the Auto Market
Nowadays, it is difficult for auto companies to successfully overcome the difficulties on their own. Therefore, in response to the current situation of the auto market, the Auto Review Society has put forward the following suggestions:
1) It is recommended to introduce local policies to relax purchase restrictions, new car and replacement subsidies
to restore market confidence in automobile consumption. Recently, the People's Government of Foshan City, Guangdong Province issued the "Issuance of Several Measures for Foshan City to Promote Consumption Upgrading in the Automobile Market (Trial)", becoming the first city this year to announce an automobile consumption subsidy policy.
Among the several consumption measures announced by Foshan City, encouraging "National VI" automobile consumption and providing cash subsidies are placed at the forefront. The specific details are: Foshan license plate owners who purchase new cars with used car sales invoices or car scrapping and cancellation certificates will be given a subsidy of 3,000 yuan for each vehicle; the same consumer will purchase 5 or more large, medium and heavy-duty passenger and truck vehicles at one time (The unit price of the vehicle is not less than 500,000 yuan), each vehicle will be given a subsidy of 5,000 yuan; when consumers purchase new cars, each vehicle will be given a subsidy of 2,000 yuan. No duplicate subsidies will be given in the above situations. Subsidy funds are borne by the city and district levels in proportion to their fiscal share. Subsidy funds are applied for by consumers and distributed directly to them. Specific implementation rules are formulated and implemented by each district.
In addition to providing car purchase subsidies, other measures announced by Foshan City to promote consumption upgrades in the automobile market include: subsidizing the promotional expenses of automobile sales companies to promote consumption; simplifying car purchase registration procedures and accelerating pollution control from diesel trucks , Promote the construction of parking facilities, create a safe car consumption environment, improve the quality and efficiency of automobile financial services, promote vehicle tax declaration, and seamless connection of license plates, etc.
As the automobile market continues to slump, the Foshan government’s move will undoubtedly give the automobile market a shot in the arm. However, the policies introduced by local governments depend on local conditions, and it remains to be seen whether other cities will follow suit.
2) New energy policy subsidies, companies start with technology subsidies
Looking at the new energy vehicle market in 2019, the first half of the year was promising and continued to grow steadily. As of June, production and sales were still Increases of 56.3 and 80 respectively, while cumulative production and sales from January to June increased by 48.5 and 49.6 respectively.
After the success, the new energy vehicle market has ushered in an important turning point - the decline of subsidies. Starting from June 26, 2019, the national subsidy standard for new energy vehicles has been reduced by approximately 50%, and local subsidies have been directly cancelled. The overall reduction rate is close to 75%.
So since July 2019, new energy vehicle sales have dropped for six consecutive months. Faced with this dilemma, Minister of Science and Technology Wan Gang proposed at the 2020 China Electric Vehicles 100 Forum: "Before the end of 2020, "Financial subsidies for new energy vehicles should not be withdrawn anymore, and the technical standards of subsidies should not be changed again. Let's give companies time to improve their technology and innovate."
Through the words of Minister of Science and Technology Wan Gang, it can be seen that the increase in sales of new energy vehicles is mainly due to the preferential subsidy policy, rather than the advantages of the product itself. Nowadays, in addition to coping with the decline of subsidies, the new energy market is also facing the decline in consumption caused by the epidemic. The new energy vehicle market, which is supported by market subsidies, is large but not strong, and it is obviously difficult to tide over the difficulties on its own.
Therefore, the car review agency suggests that the new energy subsidy policy in 2020 needs to remain relatively stable and try to avoid a sharp decline. At the same time, more detailed regulations have been added to battery performance and energy consumption levels, and manufacturers are encouraged to develop and produce batteries with higher energy density, better electronic control technology, and lighter bodies to improve the company's core technology and maintain market balance.
3) Taxation and other policy subsidies for automobile companies
Recently, the All-China Federation of Industry and Commerce Automobile Dealers Chamber of Commerce released the results of a feedback survey on the impact of the new coronavirus epidemic on the automobile dealership industry. The survey data shows that, The COVID-19 epidemic has disrupted the normal operating rhythm of the industry. In the short term, automobile production and sales will be greatly impacted, and the parts supply chain system will be disrupted. In the long term, the "butterfly effect" of the epidemic will gradually appear, which may have a negative impact on profits in the first half of the year. Impact, it is expected that 33 companies surveyed will suffer losses, and 13 companies will see a decrease of more than 50% compared with the same period last year.
The survey data lists the main aspects that affected automobile dealers during the epidemic. Among them, the more prominent ones are: the company's pre-sales passenger flow and the number of after-sales visits have been significantly reduced; the prevention and control of material shortages, procurement Costs are increasing; corporate loans are under great pressure and difficulty; corporate operating costs are rising, and payment of house rent, employee wages, and social security taxes and fees are problematic. In addition, existing orders cannot be completed, machine factory tasks and policy guidance are not clear, the government does not provide credit support to the automobile industry, the parts turnover cycle is increased, the supply chain is broken, and the inability to handle licensing, transfer and other services in a timely manner are also unacceptable. ignore.
In view of these difficulties currently prevalent in the automobile industry, the China Automobile Association has compiled and recommended that the government support enterprises in exempting them from paying pension insurance, unemployment insurance and work-related injury insurance premiums, and reducing or reducing property taxes and land use taxes during the epidemic. In addition, enterprises can also apply for a three-month deferment of tax payment in accordance with the law to improve their capital liquidity.
4) Personal purchase tax reduction or halving policy
In addition to focusing on corporate tax subsidies, actual preferential treatment for consumers will also become one of the means to revitalize the market.
At the beginning of 2009, the State Council reviewed and approved the "Plan for Adjustment and Revitalization of the Automobile Industry and Steel Industry". The "Plan" requires that from January 20 to December 31, 2009, all vehicles with a displacement of 1.6 liters and below Passenger cars will be taxed at half the rate, that is, the vehicle purchase tax will be levied at 5% (the current vehicle purchase tax rate is 10%). In the year when the purchase tax halving policy was implemented, China's automobile sales jumped from 9.28 million units in 2008 to 13.6 million units in 2009, with sales soaring by 46.2%. Among them, passenger car sales exceeded 10 million for the first time, and China's automobile sales also jumped to 10 million units for the first time. No. 1 in the world.
Since then, the policy of halving the purchase tax has continued until 2016, and China’s automobile production and sales have also increased year by year. It is also the seven years of the halving of the purchase tax that have brought a golden development period to independent brands. Changan, Great Wall, Geely, etc. have quickly joined the ranks of million-dollar car companies. Starting from January 1, 2017, the halving policy ended. That year, China's automobile sales increased slightly by 3, reaching 28.879 million units.
In 2018, the purchase tax reduction and exemption policy was completely cancelled, and the vehicle purchase tax was restored to a statutory tax rate of 10%. China's automobile sales fell for the first time in 28 years. In 2019, the pressure faced by my country's automobile industry further increased, with production and sales and the industry's main economic efficiency indicators showing negative growth.
As the year comes to 2020, due to the impact of the epidemic, many authoritative experts predict that the automobile industry will continue to decline sharply. This means that a large number of factories, especially those with weak competitiveness and self-owned brand factories, are facing closure. Therefore, relevant policies have been introduced to Stabilizing automobile consumption is a top priority.
In view of the current car market situation, the car review agency recommends that the country promptly resumes the purchase tax reduction policy since 2009 and changes the half tax reduction for passenger cars with an engine displacement of 1.6 liters and below to "1.8 liters and below" Taxes on passenger cars with the following engine displacements will be reduced by half, benefiting a wider range of consumers for car consumption.
5) The switch from National Five to National Six is ??regionally postponed
2019 is the transition year between National Five and National Six. The National Six replacement was launched in the spirit of "environmental protection, emission reduction, and technological improvement." This was originally a good thing to promote the progress of car companies, but it never intended to bring a lot of pressure to car companies that were already entering the "cold winter".
According to the requirements of the National VI standards, starting from July 1, 2020, all registered light vehicles (passenger vehicles) should comply with the requirements of the National VI phase a. Among them, the PN limit of light vehicles needs to be Reaching 610^11/km. Some industry professionals said: "Without the epidemic, it would not be easy for car companies to upgrade to this standard. Coupled with the sudden epidemic, car companies are even worse."
At the same time, the epidemic has made corporate product certification and Product validation efforts have almost come to a standstill. It is understood that in 2019, most car companies started the verification of PN limited model products. The sudden epidemic has objectively prolonged the cycle of corporate product verification and product certification by authoritative agencies, and the latter will directly affect the new products originally planned by car companies. switch. This means that some car companies may fall into the dilemma of "having no cars to sell" after July 1. Therefore, the postponement of the switch from National Five to National Six seems urgent at present.
In addition, Cui Dongshu, secretary-general of the Passenger Car Association, also said that although the epidemic has impacted the current automobile market, there are opportunities amid the crisis. The private car consumption base of Chinese households is low and the potential is huge. More opportunities in the auto market will be explored to further increase the enthusiasm of first-time buyers to buy cars. There is still an opportunity to promote the trend of the auto market from low to mid-to-high in 2020 and then to strong.
Written at the end:
This extraordinary year 2020 is destined to become an indelible memory. However, we believe that all our efforts will not be in vain, because the epidemic will eventually pass, and there will be no spring that will not come. We believe that with the joint efforts of all walks of life, the automobile market will eventually survive this "winter". (This article was originally produced by the editorial department of Auto Review Society. Please indicate the source for reprinting: Auto Review Society)
This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.