The annual interest rate of SAIC is 12%, and the principal and interest are paid 9578.27 per month for five years.

The annual interest rate of the bank is 7.8%, and the principal and interest will be repaid every month for five years.

Insurance is the agent of 4S stores, and has nothing to do with the company or bank that lends money. When you buy a car, you pay it in one lump sum, usually one year, which is more expensive than outside, but you can't help but buy it. This is the vested income of 4S stores. But if you buy it for three years at once, don't buy it. Obviously, you will be killed. Generally, Cruze's annual insurance is around 4,000, including travel tax and compulsory insurance.

There is also a purchase tax of 9735 yuan. There is also a 4S loan fee 1000.

So when you pick up the car, you should bring the down payment of 34 170+ insurance 4000+ purchase tax 9735+ loan fee 1000, just bring 50000.

Whether to use a finance company or a bank loan depends on whether you are in a hurry to get a car. If it's urgent, find a financial company, and be quick. But the price is to pay 3000 yuan more interest every month. Your loan is 60 months with high interest.

(ctrl C +CTRL V upstairs is cool, but the calculation is wrong. Don't mislead others. )