1. The monthly principal and interest repayment amount is 2985.88 yuan, the total repayment amount is 10749 1.68 yuan, and the interest payable is 749 1.68 yuan.

2. If the car loan of 65,438+10,000 yuan is paid off in three years, and the loan interest rate of 1-3 years (including three years) announced by the People's Bank of China is 4.75%, then the interest of ordinary loans for three years is =1000004.75% 3 =14250 yuan.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

benchmark interest rate

According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.

How much is the monthly car loan of 65438+ 10,000 yuan for three years?

The car loan is 65438+100000, and the monthly payment is 2985.88 yuan.

1. If the loan interest rate announced by the People's Bank of China for 1-3 years (including 3 years) is 4.75%, then the ordinary loan interest for 3 years is =1000004.75% 3 =14250 yuan.

2.36 10 interest is repaid by CCB with equal principal and interest: the loan principal is 100000, assuming the annual interest rate is 4.75% and the loan term is 3 years. Repay the principal and interest of 2985.88 yuan per month, the total repayment amount is 10749 1.68 yuan, and the interest payable is 749 1.68 yuan, 1 month, and the interest is 395.83 yuan.

First, the conditions for applying for auto loans

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.

How much can I borrow for a 65438+ 10,000 car?

Generally, 4S shops need 30% down payment, 65,438+10,000 yuan cars need 30,000 yuan down payment, and the remaining 70,000 yuan needs loans. When you buy a car, you must pay the purchase tax. Since 2065438+0865438+1 October1,the state has cancelled the small emission reduction policy. That is, according to this calculation, you need to pay the purchase tax: 8547 yuan. The insurance premium here is calculated by the most economical method. The insurance premium includes compulsory insurance, car damage insurance and third party liability insurance, with a budget of 5,332 yuan, excluding exemption. Plus the registration fee of 3000 yuan, go to the vehicle management office and ask for 130 yuan. So you need to prepare 65,438+10,000 yuan to buy a car: down payment, purchase tax, insurance premium, handling fee, registration fee, 3000085475323000130 = 47,009 yuan. In this way, the down payment for a car with a price of 654.38 million yuan is 30%, and the mortgage price on the road is 47,009 yuan. The loan is 70,000 yuan, the loan period is 3 years, and the annual interest rate is 4.75%. Repay the loan with equal principal and interest, and pay 2090,438+0438+0 yuan every month.

The introduction of 65438+ 10,000 yuan car loan ends here.