It would be nice to have more than 80 thousand cars instead of walking. Then you must consider your financial ability first, and get more loans, about 15000 a year. Second, it takes about 1 10,000 ~10.5 million a year to raise a small-displacement vehicle in second-and third-tier cities. Then you need to make a profit of 30,000 yuan every year, which is about 1 10,000 ~ 20,000. If the annual income can be above 50,000, it is reasonable to think that the price of buying a car is equal to your total income for one year. In other words, the most reasonable thing is that if you buy a car for one year, your burden will be very small.
Second, how about buying a car with a loan of about 80 thousand?
30% down payment, plus car purchase tax of about 8500, compulsory insurance of 950, car and vessel tax of more than 100, license plate of about 500, and then commercial insurance, depending on your own ability, extra points.
Third, is the interest of 82,000 yuan worth buying a car loan?
It's definitely not worthwhile to borrow 80 thousand and ask for 20 thousand interest. According to the current 4S shop loan to buy a car, the general longest period is 5 years. Take ICBC, which has the highest loan interest rate, as an example. The loan interest rate is 6.4. Then the loan of 80,000 yuan will be repaid in five years, with the total principal and interest of about 93,700 yuan and the total interest of 1.37 million yuan. If you choose a bank loan with a lower interest rate, such as a five-year loan of CCB, it will be even lower. There can't be such a high interest of 20 thousand yuan
How much is the monthly car supply of about 48 thousand?
Buy a car of about 80,000 yuan, pay a down payment of 20,000 yuan, and you can't afford the rest for a few hundred yuan a month. Car 80000 purchase tax 8000 all risks 5000 handling fee 3000=96000 yuan, down payment 30% to more than 30000! The longest loan can't exceed 5 years! There are still more than 60,000 loans left, with an annual loan of over 1000 for five years and a monthly repayment of over 1000.
Car loan is a credit car loan issued by the bank for car buyers who lack funds. To apply for this loan, you must meet certain application conditions, such as holding a car purchase contract or agreement approved by the lender, having a stable job and being able to repay the principal and interest of the loan on time.
Extended data:
Loan method
1. Buying a car by installment with a credit card is not buying a car with a credit card in the general sense. The amount and repayment interest rate are greatly limited, and the amount of credit card swiping cannot exceed the credit limit of credit card, which is suitable for consumers who lack a small amount of car purchase funds.
2. Auto Finance Company loans SAIC-GM and Toyota Auto Finance Company have achieved profitability, and auto finance is being regarded by auto companies as a magic weapon to save the depressed auto market.
3. Bank personal car loan refers to the guarantee loan provided by banks and car dealers for the funds needed for car buyers to pay the car payment in one lump sum, and the insurance and notarization institutions are combined to provide insurance and notarization for car buyers.