Hello, about this price, the loan is definitely not cost-effective. If my answer is helpful to you, please set it as the best answer! thank you
Second, the car loan is 50,000 yuan (three years) and the handling fee is 5,400 yuan. Is it suitable?
main points
At the beginning, we should talk about it according to our own needs.
The price guarantee company said that it would be listed and returned to 500 yuan within seven days and returned after three years of repayment 1500 yuan. If we can do as they say, the actual charge should be 3400 yuan, which should be reasonable, right?
Is the charge of 6.8% ok? In fact, we can discuss this issue from the beginning.
3.2 What is the handling fee of 52,000 yuan for interest-free loans?
1. I want to borrow 50,000 yuan to buy a car. How much is the interest for 2 years?
4% interest for one year, 8% interest for two years, 50,000 times 8% = 4,000 yuan, plus 2,000 yuan loan fee, the total interest required is equivalent to 6,000 yuan, at least 6,000 yuan.
2. How much interest should I pay if I borrow 50,000 yuan from the bank and pay it off in two years?
According to the bank loan interest rate, since you didn't say what the bank interest rate was, I will calculate it for you according to the monthly interest rate 1%. The loan is 50,000 yuan, and the interest is as follows:
50000/24=2083.33 yuan, and the monthly repayment of principal is 2083.33 yuan.
50000 1%=500 yuan, the monthly interest is 500 yuan, the annual interest is 500 12=6000 yuan, and the two-year interest is 60002= 12000 yuan.
Further reading
First of all, the conditions for lending to banks.
Generally speaking, there are six conditions for lending to a bank, including:
1. The lender must be at least 18 years old and have proof of residence and identity;
2. The lender needs to have a stable income and provide proof of income and bank flow information;
3. There is no bad record on the lender's credit information;
4. If the loan amount is too large, collateral needs to be provided;
5. If the loan business needs to pay the full down payment, it should be paid as required;
6. Other requirements of the Bank
The above are the basic conditions for bank loans. There will be a special bank manager to contact when buying a house loan, so don't worry too much.
Second, the benefits of bank loans
Compared with other lending platforms, bank loans are more reliable and convenient. As long as the bank loan meets the requirements of the bank and the materials are basically handed in, the bank will lend money in a short time. Moreover, the bank's loan interest rate is also relatively low, and the loan period is also very long, up to 30 years, which is beneficial to the people.
Not only buying a house, but now many people choose to borrow money from the bank when decorating and buying a car. Everyone thinks that bank loans are the most convenient way. Because bank loans fundamentally solve the difficulty of raising a large amount of funds in a short period of time, and the bank's interest rate is low, you can choose to invest even if you have funds in your hand. There is no need to pay in full and lose your own interests. And now it is more and more convenient for banks to borrow money, and it doesn't take much time. In addition, bank loans are repaid monthly, and basic families can repay them on time. However, it should be noted that after the bank loan, it must be returned on time. If it is overdue, the consequences will be unimaginable.
How much is the monthly interest of 25 18 for the 35,000 car loan for two years?
The annual interest is 1250.
If the loan of 50,000 yuan is paid off within two years, the principal to be repaid each year is 25,000 yuan. Now you have to pay 25 18 yuan every month, so the annual interest is 2518 _12-25000 = 30216-25000 = 5216 (yuan), and the annual interest rate is 52/.
Interest refers to the reward obtained by the fund owner for lending the fund, which comes from part of the profits formed by the producers using the fund to play its operational functions. Interest is one of the manifestations of the time value of funds. Formally, it is the reward that the monetary owner gets from the borrower for issuing monetary funds.
How much is the interest on the car loan of 45,000 yuan?
The monthly demand is 50000/36= 1388.88 yuan.
The monthly cost is 50,000/36 =1388.88, a total of three years. In addition, the current auto loan interest rate is 12.5%, that is, 6250 will be paid within three years, and it is 173.6 per month. If the interest is paid in monthly installments, the total monthly interest will be 1388. If the bank charges a fee, it will charge a fee, but generally it will not use it.
The interest rate of 6% is calculated as follows: the total loan is 50,000.00 yuan, the repayment period is 36 months, the monthly repayment amount is 65,438+0,526,5438+0.10 yuan, and the total interest is 4,759.49 yuan, so the total principal and interest is 54,759.49 yuan. However, the specific interest rate should be discussed with the loan company, and there are also handling fees and guarantee fees.
1, equal principal and interest method, three years: monthly payment15210 yuan, first-month principal 127 1.65438 yuan, interest 250 yuan, and last-month principal/kloc- Five years: the monthly payment is 966.64 yuan, the principal of the first month is 765,438 yuan +06.64 yuan, and the interest is 250 yuan. The principal of the last installment is 9,665,438 yuan +0.83 yuan, and the interest is 4,865,438 yuan +0 yuan. The three-year principal is 50,000 yuan, and the interest is 7998.43 yuan.
2. Average capital method, three years: the monthly principal is 65,438+0,388.89 yuan, the interest in the first month is 250 yuan, and the last period is 6.94 yuan. Within three years, the total principal is 50,000 yuan, and the interest is 4,625 yuan. Five years: the monthly principal is 833.33 yuan, the first month's interest is 250 yuan, and the last interest is 4. 17 yuan. Within three years, the total principal is 50,000 yuan, and the interest is 7625 yuan.
3. The repayment cost in average capital is lower.
For example, now let's take a Jetta VS5 as an example. Loan to buy a car requires not only down payment, but also purchase tax, insurance premium, handling fee and licensing fee. If the down payment ratio is 20% and the repayment period is 3 years, then the owner needs to pay the down payment of 22,560 yuan, the purchase tax 10986.72 yuan, the handling fee 10828.8 yuan and the licensing fee 1000 yuan. Premium is the most economical insurance portfolio for 4S stores, namely, compulsory insurance, car damage insurance and three risks. Such a Jetta VS5 loan with a bare car price of112,800 yuan is 90,240 yuan. If the repayment period is three years, the monthly payment is 2506.67 yuan and the interest is 10828.8 yuan.
How much does it cost to pay a monthly down payment of 50 thousand yuan for buying a car for 5 years?
There are two ways: the car 4S shop has interest-free for up to two years, which is the most suitable. Pay part of the car and pay off the remaining two years, mainly without interest. Bank loans need to provide relevant credit certificates and repayment ability certificates, which have certain interest. Forget the first one. The following are specific bank loans. The minimum down payment is 50,000 yuan and the loan is 50,000 yuan. The interest rates are roughly the same. The lowest I know is 2, which means the interest for three years is 4375 yuan. Together with the loan, 93.75 million yuan will be repaid in 36 installments. 2. The monthly payment is 10975 yuan. However, because of the loan, you have to pay insurance. The price of the car is all-insured, about 3000 yuan/year. In addition, some banks will ask you to pay a certain margin and labor fee, but some joint-stock commercial banks do not have this fee, so you can ask in advance.
2. What's the interest rate for a loan of 50,000 yuan to buy a car? How much is it per month? I intend to pay it off in two years.
1. The loan is 50,000 yuan with a term of 2 years, and the monthly repayment amount varies according to different repayment methods. There are usually two repayment methods: matching principal and interest and average capital. According to the interest rate level shown in the figure, the monthly repayment amount of these two repayment methods is as follows:
I don't have enough money to buy a car. I want to borrow 50,000 yuan and pay it off in three years. How much do I need to pay back a month?
1. The total loan amount is 50,000 yuan, and the total repayment amount is 53,7481yuan. The interest paid is 3,7481yuan, and the monthly repayment amount of the loan is14,994 yuan. Matching principal and interest refers to a repayment method of housing loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period. The calculation formula of monthly repayment amount is as follows:/
4. Pay off the car loan of 50,000 yuan within two years. How much do I need to pay to the bank every month?
1. The loan is 50,000 yuan, which will be paid off in two years. You need to repay 22 16 every month. The total repayment in three years is 53 1067 yuan, and the interest paid is 3 1067 yuan.
Excuse me, how much is the monthly interest of 50 thousand yuan car loan divided into 36 months
1. At present, many auto loan products of banks and auto finance promote zero interest rate, which seems very attractive, but behind the "zero interest rate for auto loans", lenders have to pay some intangible costs. 2. If you participate in activities like "zero-interest car purchase", the scope of price concessions will generally decrease. In this way, even if you enjoy the preferential interest rate of zero interest rate, the less interest paid can't make up for the lost preferential price. Generally speaking, the standard monthly interest rate for vehicle loans stipulated by the state is 0. If insurance and interest are added together, the interest-free car loan with a repayment period of 65,438+02 months is indeed more cost-effective than the ordinary bank loan, but the cost of the 24-month repayment period will be higher than that of the ordinary bank car loan, and after entering the repayment period of the second year, the interest of the ordinary car loan will decrease with the decline of the principal, but the cost of the interest-free car loan is fixed. 3. Car owners generally need to pay a handling fee of 3% to 9% of the loan amount. The repayment period of zero-interest car loan is 12 to 24 months. Take FAW-Volkswagen as an example. If the repayment period is 12 months, a handling fee of 5-6 will be paid, and if the repayment period is 24 months, a handling fee of 7- 12 will be paid. 4. If the car price is 6,543,800 yuan+0.5 million yuan, and the down payment is 50 yuan, the loan amount is 50,000 yuan, and the handling fee for the final payment within 24 months is 9,000 yuan. To apply for a zero-interest car loan, you must generally buy insurance according to the requirements of the bank. If the loan is not paid off, the bank has the right to recycle the car. In addition, some luxury cars need to pay a lot of fees, data review and other fees in advance, and they must buy five basic types of insurance, which costs about 5,000 yuan a year. Only in this way can they qualify for a loan. 5. In addition, there are some unfavorable factors to enjoy the "zero interest rate" car purchase, such as long operation process and relatively long time to pick up the car, and your favorite car may not enjoy the zero interest rate.
6. I want to know how much interest I should pay for a 5W car loan for two years.
Don't mortgage the house, only the car you bought!
For loans for one to three years (including three years), the annual interest rate is 7.56%.
3 years, with the monthly principal and interest paid: 1556.69 yuan,
2 years, with monthly repayment of principal and interest: 22,565,438+0.25 yuan,
Please call 86977902 for details.
7. Hello, I want to borrow 50,000 yuan to buy a car. How to calculate the interest?
1, loan 52,000 years, annual interest rate 4.5%, monthly payment =(500004500÷24 = 2270.83 yuan.
2. Monthly payment = (principal interest) ÷ months, total interest = annual interest rate of principal, interest = 500,004.5% 2 = 4, 500 yuan.
3. When preparing the loan, you should prepare the income certificate (if you are married, you need the income certificate of both husband and wife), the household registration book, and the ID card (if you are married, you should prepare two copies). In some places, you need a copy of the property to prove that you have a fixed residence in the local area.
If you can provide business license or something to prove your financial strength, it will be easier to get a loan. In addition to the interest, the 4S store will also charge a handling fee of 1000-2000 yuan. If the loan is difficult, the 4S store will also suggest looking for a guarantee company to guarantee it (otherwise it will not be able to lend). Taking 60,000 yuan as an example, the cost of the guarantee company is around 3,000 yuan.
(7) What is the two-year interest on a 50,000 yuan car loan?
First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.
Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.
Secondly, banks issue loans to lenders. Generally, banks will issue loans within 2 to 3 weeks or 1 month after the approval is completed, and loans can be issued within 1 day at the earliest.
Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and car pick-up slip issued by the bank.
In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.