The down payment of a loan is generally 30% of the bare car price, which is about 15~20% of the purchase tax, all risks and handling fee. In other words, about 45-50% of the bare car price is on the road, and the monthly repayment is the loan amount+interest divided by the number of loan months, which is the amount you have to pay back every month. Plan the loan time according to your actual situation, and prepare half of the bare car price of about 80,000 to go on the road.

Detailed down payment is the lowest proportion of down payment in the whole country when buying a house or a car. Of course, the payment can be higher than this amount, but not lower than this amount, and the rest can be borrowed from the bank. Car down payment ratio The down payment ratio of new energy vehicles and used cars of financial institutions that operate personal car loans with the approval of CBRC can be determined independently on the basis of the minimum requirements of 65,438+05% and 30% respectively in accordance with the principles of voluntariness, prudence and risk control. Vigorously carry out green credit business such as energy efficiency loans, emission rights and carbon emission rights mortgage loans. To sum up, many people are discussing whether buying a car is appropriate for down payment or full payment. In fact, it all depends on the individual's economic ability. The advantage of buying a car down payment is that it costs less to get on the bus before, and then pay it back slowly, while the full payment is to pay all the expenses in one lump sum. These two methods have their own advantages and disadvantages. Before buying a car, it is best to reasonably allocate the economic conditions of yourself or your family.

Million car purchase subsidy