When I bought a car, I borrowed 249,000 yuan for two years. The salesman asked me to pay more than 9000 down payment interest, and then the auto finance informed me to repay 10799 every month, so my interest was close to 30,000. The agreed annual interest rate is 4 cents, and the interest of 30,000 yuan has already passed 12 cents. Is the annual interest rate 6 o'clock? When I bought a car, I borrowed 249,000 yuan for two years. The salesman asked me to pay more than 9000 down payment interest, and then the auto finance informed me to repay 10799 every month, so my interest was close to 30,000. The agreed annual interest rate is 4 cents, and the interest of 30,000 yuan has already passed 12 cents. Is the annual interest rate 6 o'clock? When you are here, you are breathing! Just like me! So it's a pit! Alas, I can't change it! This is a banker! My interest is 0 for 2 years, and the down payment for 60 months is 7000 yuan. No pressure. Why not choose the interest-free one? Q5 can get an interest-free loan. If the annual interest rate is 4, it means that 1W is 400 yuan in one year, and the interest on your loan is 24.94002, which is the total interest. Today, everyone fully supports you. You choose FAW Finance in the 4S store, with a down payment of 60%, a loan of 40% about150,000, and a handling fee of 4,500, which is equivalent to about 3 points, and interest-free for 24 installments in two years. You directly tell the salesman to make the financial plan of FAW. If you just ask him what his financial plan is, he will definitely bully you and directly recommend the bank's financial plan. I took a 324000 loan from China Merchants Bank for three years. Thank you. I will ask the bank tomorrow. I want to know now. Now the bank has informed me that the first month's repayment is 10799 yuan, and the second month's repayment is not higher than 10799 yuan. If I have to pay back 10799 yuan every month, I will be cheated, which is very different from the previous agreement of 4: 00 annual interest. I mean, how do you calculate the interest? Loans with high down payment and interest-free loans are preferred. After you go to Audi 4S store, first go to see their car loan financing plan, compare several plans repeatedly, and find out what is beneficial to you. The loan fee is generally not higher than 3% of the loan amount. For example, a loan of 200,000 yuan is 6,000 yuan. This fee is charged by 4S stores, not manufacturers or banks. It is also nonsense not to pay any notary fees. In addition, the handling fee can be negotiated and generally reduced by 500- 1000 yuan. Try not to choose repayment with interest, it's too uneconomical. @20 19
18 Audi q5 mortgage loan?
70% of the assessed value of the vehicle. According to the national mortgage evaluation standard, 18 Audi q5 mortgage loan is 70% of the evaluation value of loanable vehicles. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and repayment conditions.
What "potholes" should I guard against when buying a 2020 Audi Q5L with a loan?
Audi Q5L, Mercedes-Benz GLC and BBA luxury medium-sized SUVs are essential choices for home quality life, especially Audi Q5L. At present, the 2020 model is coming soon, and some models have higher discounts, with an entry-level model of 320,000, which is a good time to start.
The length, width and height of the Audi Q5L are 4765 1893 1659mm respectively, and the wheelbase is 2908mm. In appearance, the front face adopts the classic hexagonal air intake grille, and the front face is angular and the lines are more tough, which conforms to the aesthetics of young car owners. For the interior, the Audi Q5L has solid materials and good workmanship. Many models provide leather seats, two-color seats, ambient lights, panoramic images, intelligent parking, lateral assistance and other configurations, which reflects a high sense of quality.
In terms of power, the Audi Q5L is equipped with the third generation EA888 series 2.0T engine, in which the low power version has the maximum power 190 horsepower and the maximum torque is 320n·m；; ; The high-power version has a maximum power of 252 HP and a maximum torque of 370 N m. In terms of transmission, it matches the 7-speed dual-clutch gearbox with model DL382.
Audi Q5L is expensive. For most families, it is very stressful to buy a car in full. Many people will choose loan to buy a car. The loan methods include traditional manufacturers' financial loans, bank car loans and credit card installment. However, the following pits must be prevented when choosing the loan method to buy a car:
1, bundled insurance, accessories or other services
It is also common to borrow money to buy a car in a 4S shop. At present, it is more common to renew insurance bundles. For example, consumers must pay renewal deposit first, and they must buy insurance in designated channels in the coming year. In addition, 4S stores may also bundle some accessories, decoration and maintenance services. Of course, this part of the increased cost is generally borne by consumers.
Anti-pit guide: In terms of bundling auto insurance, it is more common for consumers to be bundled by 4S stores to buy four main insurances, or even take all risks. Some car owners feel that there is no need to buy too many types of insurance, and they just want to invest in one or several of them. They can negotiate with the 4S shop first and strive for a more reasonable insurance configuration plan. If you are still required to take out more insurance, in this case, you can choose to surrender to the local branch of the insurance company the next day without paying any fees in the 4S shop to reduce the subsequent losses. When accepting the optional gift package, be sure to ask about the gift package content of each store. If the value of the gift package is not high, you can try to reduce the price of the vehicle or switch to a 4S shop.
2. The trap of signing a blank contract
A blank contract generally refers to a contract that is signed and sealed first without specifying the important terms of the contract. Specific to the business of buying a car by loan, it is usually manifested in the loan contract that there is no clear purchase model, price, loan amount, loan term, interest standard or even default clause.
It should be noted that when you sign and seal the blank contract, you give the power of attorney to others, and the terms filled in the contract thereafter represent your own wishes. So it is more difficult to have a blank contract.
Pit prevention guide: you must ask for proof of car purchase contract, car purchase invoice and so on when buying a car. When signing a contract, be sure that there are no blank items in the contract. If there are blank items, pull them off with diagonal lines to avoid being tampered with.
3. Stealing the guarantee business
The so-called secured loan is a loan issued on the condition that a third-party institution or individual provides the corresponding guarantee for the borrower. Institutions that provide guarantees for borrowers often charge a certain guarantee fee. Generally speaking, financial institutions need third-party institutions or individuals to provide guarantees for loan applicants in order to issue loans safely. In practice, many people obviously have good qualifications and no problem in applying for loans, but under the operation of 4S stores, they have applied for secured loans and gone the wrong way. 4S stores want consumers to apply for secured loans because they can earn extra fees.
Guide to pit prevention: carefully check all kinds of contracts and agreements to be signed and identify whether to guarantee loans. Normal car loan contracts can be signed directly with financial institutions such as banks. If a separate guarantee agreement is needed in addition to the loan agreement, it is a secured loan.
The above are some common pit and pit prevention guides in the process of buying a car with a loan.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.
Down payment 15 Can I buy an Audi q5?
If you buy the lowest price, the current price of bare cars is around 465,438+0,000 yuan. If you make a down payment of 1500, which is about 30% of the down payment, then the installment fee for each loan is about 8700 yuan, so the monthly payment is relatively high. If you plan to handle 48 installments, what is the amount of each installment?
I want to buy an Audi Q5. How can I repay the loan and how much is the down payment? How to pay the rest, and at what rate?
Loans can be paid through negotiation with 4S stores.
There are many payment methods:
1,
Zero down payment.
2,
30% down payment
3,
50% down payment.
You can choose and negotiate these according to your own conditions.
So much for the introduction of Audi q5 loan plan.