Buying a car is now very common. An average family can buy a car with their annual income, so basically many families have their own cars, and most people buy cars mainly for For home use, some people buy cars out of a comparison mentality. If their salary is not high, but they want to buy a good car, they will buy a higher-priced vehicle through loan installments, and some even have a higher price. It is beyond the range that my salary can bear. Recently, there was a person around me whose monthly salary was 6,000, and he bought an Audi A6 with a loan. His monthly salary was 6,000, and he bought an Audi A6L in installments. Was it impulsive? Is this not impulsive, just crazy? Let’s take a look at whether a monthly salary of 6,000 can afford an Audi A6L?
The Audi A6L is a serious luxury car. It is as famous as the Mercedes-Benz E-Class and BMW 5 Series. Even the lowest model costs almost 370,000 yuan. It can be said that you can afford an Audi. A6L people generally have good economic strength. If the monthly salary is 6,000, then it is barely enough to buy it in full, but if you buy it in installments and add monthly maintenance costs, 6,000 is far from enough, unless of course there is a mine at home. ?
Let’s take a look at how much it costs to buy an Audi A6L? Taking the 2019 Audi A6L? 2.0T as the lowest equipped dynamic model, the manufacturer's guide price of this car is 409,800 yuan. After discount, the bare car price is basically around 320,000 yuan. With a minimum down payment of 30 yuan (107,000 yuan), the loan is 213,000 yuan, plus the purchase The tax is 28,319, the insurance is 12,000, the service fee is 6,000, the handling fee is 2,000, the down payment is 155,319 yuan, plus the interest of 14,000, the monthly payment is 6,305 yuan, and the payment is divided into three years. Even if I don’t eat or drink every month, I can barely afford it. Monthly payment. ?
Not only that, as a consumable, a car begins to depreciate in value from the moment you buy it. It also requires high maintenance costs. Especially for luxury cars, the later maintenance costs will be higher. The main expenses include insurance, Maintenance, fuel costs and some incidental expenses. First of all, 1. Insurance premium: Audi A6L new car insurance costs RMB 12,000 a year. If you buy it at the lowest level in the second year, the cost will also be around RMB 8,000. 2. Maintenance fee. Audi A6L needs maintenance once every 10,000 kilometers. Based on driving 10,000 kilometers per year, the price of minor maintenance is about 1,480 yuan, medium maintenance is about 2,800 yuan, and major maintenance is about 6,400 yuan. ?
3. Fuel cost. Audi A6L is equipped with a 2.0T engine. The official comprehensive fuel consumption is 6.8L. The actual vehicle fuel consumption is basically around 9.5L. According to 95-proof gasoline, it is 6.9 yuan per liter. Calculated, driving 10,000 kilometers per year costs 6,555 yuan. 4. Miscellaneous expenses, including daily car washing fees, tolls, tire parts replacement, etc. are calculated as 2,000 yuan. So if you drive 10,000 kilometers a year, insurance is 8,000, maintenance is 1,480, fuel is 6,555, and miscellaneous expenses are 2,000 = 18,035 yuan. This is still a conservative estimate, and the general cost is basically around 20,000 to 60,000. ?
In general, the price of buying a car should not exceed 2 years of net income. It is easier to maintain and use a car in the later period, but the monthly salary is only 6,000, which is obviously beyond the limit of what can be tolerated. It is a typical death It is very irrational for me to suffer to save face. If you have any other opinions, please leave a message to discuss.
This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.