2. Fixed cost:14.9-3 =11.9 million;

3. Variable cost per kilometer: above 2 yuan (according to the conditions you set, driving 65,438+05,000 kilometers per kilometer in 2 yuan (according to the car price, the cost of gasoline is about 70 cents per kilometer). If you drive less than 65,438+05,000 kilometers, the maintenance cost per kilometer will increase). Buying a car or a mortgage in full is based on your own consumption and financial habits. In the final analysis, it is the customer's cost balance of total expenditure. Simply analyze the difference. First of all, there are two understandings of the purpose of buying a vehicle: one is that the vehicle is just needed, and the most basic definition is as a means of transportation. Generally, the core demand for buying a car for the first time is transportation. Second, think that vehicles are an addition and ornament to your life or career. Through the vehicle driven by the owner, in addition to the vehicle itself as a means of transportation, from the outside world, the owner is a portrait of a certain type of person. For example, it is a civil servant who drives Audi; Drive a Mercedes-Benz BMW, be a business owner and so on. The first type of customers are mostly full payment, while the second type of customers have higher installment intention and are more acceptable. Customers, civil servants, doctors and teachers are all exposed to buying a car in full, because their income is stable and they basically save enough money to spend. Even if installment is recommended, they usually do zero interest and interest-free. And business owners or customers with financial investment will measure and compare whether the interest expense generated by their mortgage car purchase is higher than their financing interest rate, or whether they can use the idle funds borrowed from car loans to bring greater benefits to investment. Regardless of the installment or full payment, the general sales consultant will first recommend buying a car by installment, because it can charge: handling fee, GPS, licensing, insurance, and some stores will add some decoration surcharges, so that the sales consultant can obtain high performance and commission and complete KPI assessment. However, many stores have basically cancelled all kinds of miscellaneous fees. If the fees are very transparent, the mortgage purchase will basically only increase the first year of burglary and a licensed mortgage procedure. Take Volvo as an example, the two total expenditures are around 2500. However, according to the normal loan process, at least 10 can be lent for two or three years without interest, which can appropriately alleviate the current capital expenditure of car purchase. Or customers have the opportunity to choose the expected higher configuration or even higher level models. For full payment or mortgage, you can make a total cost comparison. If there is little difference between the total mortgage expenditure and the total payment (it is suggested that the difference is within 3000 yuan), mortgage is a good choice in the current economic environment. After all, the car depreciated and the currency depreciated. It is more important to have enough cash in hand.