Take ICBC with the highest interest rate as an example. The interest of the loan for three years is as follows: 70,000 x 6.15% x3 =12915 yuan. If the principal and interest are calculated according to the same amount, the price will be cheaper. So generally speaking, the car loan interest of 73,000 years is not 1.8 million yuan, but the loan interest rate is also affected by other factors.

For example, personal credit information, the actual situation of the loan unit, etc. Therefore, you should know the local car loan interest rate in advance before buying a car to prevent being cheated.

bank loan

Buying a car with a bank loan is a way that most car owners will choose. Generally, the down payment is 30%, and the loan term is 1-3 years, with a maximum of 5 years. The loan interest rate is low and the repayment period is long.

The difference between bank loans and other ways of car purchase is that banks can apply for car loans without being restricted by car models or car dealers, which greatly increases the choice of car buyers with loans. However, the formalities are troublesome, the loan review time is long and the down payment ratio is high. Generally, you can only apply for 70% loans.

This kind of loan is suitable for cash-rich car owners.

Second, Ping An Bank's second-hand car loan is too dark, with a loan of 70,000 yuan and compulsory insurance and handling fees totaling 9,730 yuan. Are there such victims?

Loan insurance should be paid, you need to buy insurance. Does Du know that you bought it safely? It is reasonable to buy insurance, but it is too much. It's a robbery.

What is the 2.5% handling fee for a loan of 37,000 yuan?

1750 yuan, our company has no handling fee for Shanghai loan!

4. How much does it cost to borrow 70,000 yuan from the bank?

The handling fee is your own, and it is normal to charge around 2000-3000 yuan.