Let's talk about the situation of buying a car in full, and the main budget to consider is:
1, the actual sales price of the vehicle
When we buy a car, we will get many different prices, such as online quotations, quotations from sales consultants, quotations recommended by friends, quotations from some car websites, official guide prices and so on. We can get more vehicle prices, which are actually not the actual selling price when we buy the vehicle.
Especially some online quotations, when signing a car purchase contract with us, the final vehicle price will be different. Then, when compiling the car purchase budget, it is necessary to consider the actual vehicle price, confirm the approximate actual vehicle price range with various quotations, and calculate it into the car purchase budget cost.
If you buy a car by installment, it is not paid in full. What needs to be considered is the price of installment down payment. Similarly, the budget of installment down payment is also considered through the approximate actual car price range.
2. Vehicle purchase tax
Considering the cost of vehicle purchase tax, there is no need to distinguish whether to buy a car in full or in installments, because the vehicle purchase tax will not be different because of the different ways of buying a car. In other words, the full car purchase and installment car purchase, the same vehicle, vehicle purchase tax is the same fee. We only need to pass the official guide price of the vehicle and then calculate the vehicle purchase tax fee. The actual vehicle purchase tax expense gap will not be large, and the vehicle purchase tax can be roughly determined by considering the car purchase budget.
3. Insurance cost of vehicles
The insurance cost of this car does not need to distinguish between buying a car in full or buying it in installments. According to the vehicle insurance policy after the fee change, the insurance cost is the same for buying a car in full and buying a car by stages under the premise of the same insurance coverage. So what is the budget for vehicle insurance?
The first consideration is compulsory insurance, and the amount of compulsory insurance is fixed. Domestic vehicles are divided into non-operating vehicles with less than 6 seats and more than 6 seats, with less than 6 seats in 950 yuan/year and more than 6 seats 1 100 yuan/year. Then there is commercial insurance. According to the price of the vehicle, the types of insurance are different. The vehicle price is about 6,543,800 yuan, and the cost of basic insurance and auto insurance is about 5,000 yuan. According to the increase of vehicle price and insurance, it will increase gradually. Only consider the approximate scope of the budget.
4. There is no need to distinguish between full payment and installment for vehicle decoration, but this cost will change greatly, because the price and installation of decoration are not fixed, and it is also based on our own choice. More common expenses, such as car film, 4S stores will have many different films to choose from, and some will also give away films, so the price is very uncertain. As a general reference, the decoration cost is around 1000~ 1500. Of course, you can also choose not to add decoration, or not to buy in 4S stores. For the specific price, please consult some familiar or nearby decoration shops and consider the budget comprehensively.
5. Vehicle license fee
The license fee for vehicles is also uncertain. It is the work cost to apply for the license plate of the vehicle itself. If you give it to a 4S shop, you need to pay a service charge. However, the actual cost of vehicle license plate is not high, but the cost of 4S shop is not uniform. You can consult and confirm in advance and consider the car purchase budget comprehensively.
In addition, the car purchase budget needs to be considered separately in stages, mainly the formalities fee of installment loan and the interest fee that needs to be repaid. In the consideration of car purchase budget, we actually only need to consider the down payment cost of car purchase, the formalities cost of installment payment, and the cost of vehicle purchase tax, vehicle insurance and vehicle licensing. Interest in installments is paid directly in installments, and few people generally calculate the budget of this expense.
Then, actually buy a car by stages, considering budget, down payment, auto insurance, purchase tax, handling fee and licensing fee. The specific calculation method is the same as when buying a car in full. After determining the down payment ratio, you can calculate the down payment.
Combining the above five items is the main cost to be considered in the car purchase budget. If you buy a car by stages, you need to consider the down payment budget. There are some additional expenses, such as service charge, agency license, fuel addition, etc., which need to be calculated according to the actual situation.