7% interest is 0.7% monthly interest rate, and the total interest for three years is: 40,000× 0.7% x36 =10080 yuan; Car loan interest = loan amount, loan interest rate and loan time. 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 people's loan costs, which has become an important factor in determining whether people lend. The actual interest rate of auto loans is determined by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally speaking, customers with excellent conditions can enjoy the benchmark interest rate or decrease by about 65,438+00%, while ordinary customers need to increase the benchmark interest rate by about 65,438+00%. Whether to buy a car depends on the owner's funds. When asked about the advantages and disadvantages of car loans, most car dealers are somewhat evasive. They believe that the loan to buy a car can not only enable citizens with insufficient funds to buy their favorite cars in advance, but also enable some citizens with sufficient funds but other uses to free up some funds that would have been used for car prices for development. However, the resulting interest and extra costs have been ignored. Undoubtedly, "interest-free, fee-free" makes many people who can't afford a car have the impulse to buy a car. However, the problems behind this value-for-money ratio make many people ill-considered. Some auto credit practitioners believe that consumers must pay attention to three points when buying a car with a loan: first, whether they can enjoy preferential car prices after enjoying the "zero-interest-free loan" from merchants; Secondly, the car loan cost in the market a few days ago was in the range of 4%~7.5%, whether the interest was exempted and the cost was increased; Third, the general car purchase interest rate is charged according to the bank's benchmark interest rate. Whether the handling fee is exempted or not, the interest will rise on the basis of the bank's benchmark interest rate. At the same time, due to the choice of loan method, new car insurance must be "fully insured", which will lead to a large premium expenditure. Therefore, the most important thing in car loans is to shop around. Consumers should choose a regular auto loan service company with certain qualifications and strength, which not only has standardized services and charges, but also will not leave you with hidden dangers.

I want to buy a car of about 60 thousand. How much does a mortgage cost? How much does it cost before picking up the car? Insurance or something. Thank you.

4S shop one-stop car pick-up service, 30% down payment, insurance, house purchase, listing and production cost, about 20 thousand before car pick-up, annual mortgage 50 thousand!

Third, how to calculate the three-year interest on the second-hand car mortgage loan?

Buying used car mortgage mainly depends on bank loans or finance company loans. Bank loans are usually around six miles, so financial companies can't decide.

Fourth, how to calculate the monthly interest of the car for 3 years?

Spread out completely

The following factors should be considered:

1 First of all, we must know the total price of the car.

2. What is the loan amount?

3. What is the annual interest rate?

The calculation process is as follows:

Loan amount ÷ interest rate ÷36- loan amount = full interest payable (full interest loan amount) ÷36= how much should be repaid every month.