Of course, there is also a loan to buy a car, that is, when buying a car in a 4S shop, in addition to the above expenses, interest, car purchase tax, insurance, registration and other expenses, there are probably some other extra expenses. Buying a car with a loan requires insurance against theft and spontaneous combustion. A car of about 6.5438+10,000 yuan, with a down payment of about 30,000 yuan. Of course, it should also be decided according to some activities of the car dealership at that time and the bank's loan policy, including the credit status of users and so on. Because ordinary car loans are 30% down payment. If the credit is good, you can also pay a 20% deposit first.
Under normal circumstances, the down payment is about 30%, and then you need to prepare insurance and purchase tax. Therefore, the upfront cost is 40,000 ~ 50,000, and the monthly repayment in the later period depends on the specific loan cycle. According to the normal three-year calculation, the monthly interest is estimated to be around 2300.
Principal of loan with equal principal and interest method: 100000, assuming the annual interest rate is 4.750%, the loan term is 3 years, and the principal and interest should be repaid every month, of which the total principal and interest is 10749 1.68 yuan, and the interest should be repaid by 74,965,438 yuan. The interest paid in the first month is $395.83. The principal paid in the first month is 2590.05. After that, the interest paid will decrease and the principal paid will increase.