The down payment formula of car loan is: down payment = down payment ratio of total vehicle price, and purchase tax insurance premium (loan amount required-actual loanable amount). Generally, many factors should be considered in the calculation of down payment for car loans, such as the total price of vehicles, the loanable amount, and the down payment ratio of 4S shops (generally within 50%). In addition, insurance premium, purchase tax, etc. Car loans cannot be included in the loan amount.

Extended data:

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.

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

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.

Purchase tax is the act of purchasing related property within the tax system set by the tax authorities, and the tax levied on the property. Such as vehicle purchase tax. Vehicle purchase tax is a kind of tax levied on units and individuals who purchase prescribed vehicles in China, which evolved from vehicle purchase surcharge.

Calculation of tax rate for self-use vehicles: taxable value = (all extra expenses paid to the seller for purchasing taxable vehicles) × 10%, in which the taxable value does not include value-added tax, and calculation of tax rate for imported vehicles: taxable value = (dutiable price and customs consumption tax )×10%.

If the taxable value declared by the taxpayer is lower than the lowest taxable value of taxable vehicles of the same type when purchasing or importing vehicles for personal use, and there is no justifiable reason, the tax basis shall be the lowest taxable value of taxable vehicles approved by State Taxation Administration of The People's Republic of China, People's Republic of China (PRC).

How to calculate the down payment for loan car purchase?

Question 1: How to calculate the down payment for buying a car by mortgage? The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.

Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Question 2: How to calculate the down payment of automobile mortgage? The down payment ratio of naked cars, the amount of purchase tax insurance (all models of loans need to be fully insured), testing and licensing fees.

For example, if you want a car that touches 00,000 yuan, the bare car price is 65,438+10,000 yuan.

You multiply the loan ratio by 654.38+ 10,000, plus the following number.

1.6 displacement, and the purchase tax is 6400 yuan. (more than 8540 yuan 1.6. The purchase tax rate is (65438+ ten thousand/1. 17).

Compulsory insurance and other risks total ***5300 yuan.

It's about 300 yuan to check the license plate on the car.

Question 3: How to calculate the down payment of 20%-50% for a car loan? General banks require 40%-50%. Some car dealers can find some financing companies to achieve 20% or even lower.

Usually it will be paid off in 2-5 years. Monthly repayment depends on how much you borrow, and you can use real estate as a guarantee.

First of all, it is necessary to know whether the beneficiary of car installment payment is a bank or a financial institution, because many banks now have relatively high thresholds for car loans, and more financial companies, especially those in the same department as car manufacturers, have begun to handle convenient loan procedures for customers (for example, the financial company of Shanghai General Motors has GMAC loans).

Secondly, the requirements for car buyers: generally, the wage income is normal, preferably provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove the strength of your paid loan, that's fine.

Question 4: How do I want to buy a car? How to calculate the down payment ratio of loan to buy a car? The borrower needs to apply and meet the loan requirements. The car down payment needs 30%, and there must be a stable source of repayment and other loan conditions.

Question 5: How to calculate the down payment of car loan If you apply for "personal car loan" at China Merchants Bank, the maximum loan amount will not exceed 80% of the price of the purchased vehicle (excluding various additional taxes and premiums); The maximum amount of personal car loan for imported cars shall not exceed 70% of the price of the car purchased (excluding various additional taxes and premiums); And the loan amount is up to 2 million yuan. For your specific loanable amount, you need to submit relevant materials for verification and confirmation by the handling bank.

Question 6: How much is the down payment for the loan to buy a car? How to calculate the car loan interest rate is a very prominent problem. How much is the down payment for the car loan? Some netizens questioned this question! Answer: First of all, the down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%. If your credit and financial strength can't meet the company's standards, you may be asked to raise the down payment again. Generally speaking, you can fill in 30% when applying for a loan. The amount of down payment is not directly related to the car price, mainly because the loan unit should control the risk. For example, if you make a down payment of 20%, the lender will pay you 80% of the loan. If you don't pay back the loan, he will lose 80%. If you pay 40% down, his risk is only 60%. In addition, the amount of monthly repayment depends on the interest rate of the unit you borrowed. The interest rate of each unit is different, and it also depends on your loan time. The longer the time, the higher the interest rate. If you buy 1.5 million, with a down payment of 30%, then the loan amount is 1.05 million. Let me calculate it for you according to our company's interest rate: the loan is 3 years, that is, 36 months, with a monthly interest rate of 5.5275‰ and a monthly repayment of 3,224.438+0.

Question 7: How to calculate the down payment for a car loan? Hello! Purchase tax and so on need to be paid in full. A down payment of 30% refers to 30% of the price of a bare car.

If you have any questions, I suggest you consult "Customer Service Online" forum.cmbchina/cmu/icslogin.aspx?. . From = Blogincmu = 0, we will serve you wholeheartedly!

Question 8: How to calculate the down payment of 20%-50% for a car loan? According to the different loan methods selected by consumers, the application materials provided are unnecessary, and the down payment ratio may be different. At present, most banks stipulate that the minimum down payment is 40% of the total car price, and the minimum car financing can reach 20%.

Generally, there are two options for the loan term: 3 years and 5 years, with the longest term not exceeding 5 years. Some also need to pay a deposit of about 10% of the car price and related handling fees. In March, the customer paid about 3,000 yuan, and the total interest expense was about 9,000 yuan. In May, the customer paid only about 1.900 yuan, during which the customer can repay in advance at any time.

The general loan amount is not higher than 80% of the car price, and the rest is called down payment. Some banks or financial institutions need you to pay a down payment before lending. The loan term is one year, two years, three years or five years. If the loan is 80,000 to10,000, 3 years is the best choice, and 5 years will lead to higher interest expenses.

If you have a normal wage income, it is best to have a provident fund, real estate (property rights) or be married. Of course, if you have other written documents that can prove the strength of your paid loan, that's fine.

Question 9: How to calculate the down payment for buying a car by mortgage? The down payment includes 30% of the bare car price, loan interest, auto insurance, all-insurance repayment deposit and settlement deposit listing fee. What a mess.

Question 10: How to calculate your bare car by stages 124600? It's too dark. Did 4S add navigation and seats to you? (The navigation will be installed outside by itself. Is it because the 4S is afraid that you will not protect the cable if you install it outside? This is pure bluff. The navigation is plugged in directly, without moving any lines. 4S broken navigation 1500 sells for 8000, and the so-called leather seat is about 1300. The maximum value of these two prototypes is 3000, and Lingpai manual bare car is 6500. . . . . Dizzy! ! !

I'll give you a discount, right? Naked car 1 14800, purchase tax 98 12, compulsory insurance and travel 1500, all-insurance installment 6000 (this can be bought anywhere, depending on how many years we talk about it), all-insurance price 13.

The down payment is 52,000 installments, leaving 80,000 (80,000 installments, 2 annual interest rates, 8 interest rates, 80,000 installments, 3 interest rates, 12 interest rates, 9,600). 4S stores may charge you a handling fee, so don't give it. If it really doesn't work, give 1500 at most. In fact, what is more than the full amount in installments is interest, and there may be a little handling fee, and you must buy all risks. Full insurance 4S must have been bought from him, 4S is about 1000. This can be compromised. In fact, you can buy it anywhere. Some 4S will have to be purchased in installments within a few years, which is pure deception.

Of course, if you use a credit card, there will be no handling fee and you don't have to buy all the insurance, but the interest of the credit card is very high, and the car loan is a special loan with low interest.

How much is the down payment for the loan to buy a car?

Buying a car is a very common thing for young people nowadays. As a newcomer, you may have the idea of buying a car, but you don't have enough money. In order to solve this social problem, there is a saying that the down payment is different according to different models and lending institutions. So how much is the down payment for the loan to buy a car? How to calculate the down payment for a car loan?

How much is the down payment for the loan to buy a car?

Generally speaking, the down payment for a loan to buy a car is around 30%-40%. Depending on the bank selected by consumers and the application materials provided, the down payment ratio of loans to buy a car will be different. The loan term is usually three to five years.

How to calculate the down payment of car loan?

Generally, it is 30% of the bare car price, including purchase tax, all-insurance handling fee and interest on margin loan (depending on the bank, there is a difference between prepayment and installment payment).

Automobile dealers generally use the monthly repayment method of equal principal and interest, and the calculation formula is: monthly repayment amount = loan principal × monthly expected annualized interest rate × monthly expected annualized interest rate/(1expected annualized interest rate) ↑ total repayment period.

1. Where the loan is applied by pledge or the bank or insurance company provides joint liability guarantee, the down payment shall not be less than 20% of the purchase price, and the maximum loan amount shall not exceed 80% of the purchase price.

Two, the purchase of vehicles or other real estate mortgage loans, the down payment shall not be less than 30% of the purchase price, the maximum loan amount shall not exceed 70% of the purchase price.

Three, to apply for loans by third-party guarantee (except banks and insurance companies), the down payment shall not be less than 40% of the purchase price, and the loan amount shall not exceed 60% of the purchase price.

The loan term is generally 3 years, and the longest is not more than 5 years (including 5 years), depending on the nature of the borrower. For taxi companies or car rental companies, the longest loan period is no more than 3 years; The loan period for other enterprises and institutions shall not exceed 2 years in principle; The term of personal loans is generally 3 years.

The above contents are for reference only, and various car dealers and credit institutions will have different regulations. The specific calculation method has to refer to the actual situation.

Attachment: Is it cost-effective to buy a car by loan or in full?

Is it cost-effective to buy a car with a loan or to buy a car in full? When buying a car, you usually encounter a problem, that is, how to pay for the car? One-time payment or mortgage loan? Now there are more and more online financial products. Buying a car with a loan can save some cash for financial management. So is it appropriate to borrow money to buy a car?

There are generally three kinds of financial channels for shops. The first is the financial policies of the manufacturers themselves, which can be found in official website of various brands. Second, cooperate with local banks and credit cooperatives; The third is to cooperate with some local financial guarantee companies, which is characterized by fast approval, fast lending and high rebate for 4S stores.

If you borrow money to buy a car in a 4S shop, although the process of each 4S shop cannot be exactly the same, it is basically based on such a process:

So what's the difference between a vehicle applying for a loan and a vehicle paying the full amount?

The loan car must be fully insured in the store. "Full insurance" is just a vague concept, and there is no exact meaning of full insurance in insurance companies. In other words, 4S stores force you to buy the types and amount of insurance, regardless of whether the types of insurance are useful or not. You just need to pay, because although you bought the car, the property right is not yours, but the lender's. In case the car is damaged in use, someone must pay for it.

Vehicles will be forced to install GPS positioning system, and the installation costs vary from place to place, some are borne by customers, and some are borne by 4S shops or lending institutions, which is quite confusing. Similarly, since the ownership of the vehicle belongs to the lender during the loan period, what should I do if the vehicle disappears inexplicably? What if I drive away? So, there must be something tracking the signal.

Handling fee. This is a very maddening thing. There are no rules to follow. A complete 4S shop is the same. Some ask for two or three thousand yuan, some ask for five or six thousand yuan, and some can bargain for two or three thousand yuan. In short, cigars. So what is this handling fee for? I'm sorry, I don't know. This is an unavoidable "hidden rule". I believe that friends who borrow money to buy a car must be very hurt.

In addition to these, according to personal experience, in the field of ordinary family cars, the cost of landing a car with a loan is basically about half of the price of the vehicle. For a car of about 654.38+10,000 yuan, the total cost of buying a car by loan is basically about 50,000 yuan, which means that the overall cost is only half less than that of buying a car in full.

According to the expected annualized expected return rate of 5% in the average financial year, the loan is 50,000 yuan, and the expected annualized expected return can reach about 5,000 yuan after two years, and the loan can reach about 7,500 yuan after three years. Take the official loan package of Cruze as an example, the monthly repayment is 3,000 yuan in two years, 72,000 yuan in two years and 2,500 yuan in three years. The difference is still quite big.

If we simply calculate from the bare car price, the loan is nothing more than the interest of thousands of dollars, but if we calculate it as a whole, there are still many loan differences, which is why many 4S stores launch staging; Many posts on the internet are talking about how common it is to buy a car with foreign loans, yes, but have you studied the expected annualized interest rate abroad and what is it at home? Have you ever studied that the foreign credit system is relatively mature and our credit system is basically zero?

If you want to borrow money to buy a car, you must calculate the total cost of landing. Don't simply calculate the cost of bare cars, it's not cost-effective. In addition, if you buy a car by stages, there is a warm reminder: if there is a vehicle accident, the responsibility lies with us, then we need to issue a certificate of timely repayment to the lending institution when the insurance company claims. I hope you never use this hint. I wish you a happy life.