Unfortunately, the deposit of 6.5438+0.3 million can't buy a car of 6.5438+0.3 million. You can't drive if you buy a car. Need to pay purchase tax, buy insurance, install license plates, decorate, refuel later, and maintain. These expenses should be around 20,000 yuan, so the bare car price should be 6.5438+0.3 million yuan, and the landing price should be about 6.5438+0.5 million yuan. If you only have 6.5438+0.3 million yuan, you can't afford this car. So, what should we do in this situation? One way is to borrow money. A car with a bare car price of 6.5438+0.3 million yuan will be paid off in 36 months with a down payment of 60,000 yuan and a loan of 70,000 yuan. The monthly repayment is less than 2,000 yuan, and the total interest is about 20,000 yuan. However, if you take out a loan, other expenses are also high. For example, insurance fees, GPS setting fees, etc. There are also loan fees. So the comprehensive cost of 20 thousand is not enough. It should be around 30 thousand. After deducting the down payment of 60,000 from the deposit of 1.3 million and the comprehensive expenses of 30,000, there is still about 40,000 left. This method is suitable for owners with high monthly income and strong repayment ability. If there is only this deposit of 6.5438+0.3 million, the monthly income is not very high. Personally, I suggest that all cars be downgraded. The basic principle of buying a car is that the cost of buying a car does not exceed 60% of the deposit, and the price of the car does not exceed the annual family income. In this case, it is more appropriate for you to buy a model of about 70 thousand to 80 thousand, and the rest of the money can be used for emergency. Personally, it is not recommended that you buy a car with a bare car price of more than 654.38+ 10,000 yuan. In that case, almost all the deposits of 6.5438+0.3 million have been spent. After all, cars are dangerous tools for high-speed driving, so the probability of accidents is very high. Just in case, you must leave some money. The so-called "crossing the river with money". In fact, there is not much difference between 70 thousand and 80 thousand cars and hundreds of thousands of cars. There is not much difference in use function and safety performance. The bigger difference is space and face. In today's China, cars are still high-consumption luxury goods, and then there are a series of expenses waiting for us, such as refueling, maintenance, repair, parking, violation of regulations and so on. According to the minimum standard, the annual fee of a car is more than 1 10,000 yuan. Therefore, you must objectively evaluate your economic strength before buying a car. Don't do stupid things like "you can afford a horse, but you can't afford a saddle", and don't buy a car to save face. Although the result is useless, the economic pressure is great and the losses must be made up.