If you live in a first-and second-tier city, forget this monthly salary. Even if you can afford this car, it will be very tiring to keep it. The monthly salary of 5000 yuan in a small city is relatively moist. It also depends on whether you have a house or a mortgage. If you have a mortgage now and have to pay back two or three thousand yuan a month, what car would you buy? After paying off the mortgage, there is just enough money left to eat. If your parents have bought you a house in full, and it has been renovated, and there is nothing to spend, then a Camry will do, as long as you can afford it.
Let's take a look at the actual selling price of Camry first, and calculate it with the lowest matching Camry 2.0 Elite Edition. Guide price 179800, this car offers little discount. In our local area, the full amount is 3000, and the loan discount is 5000. But the loan costs 3000 yuan, and the wool is on the sheep, as you know. After all, if you buy a car in full, the total amount is 6.5438+0.99 million. For example, if you borrow a car with a down payment of 30%, the monthly payment will be 3,654 yuan, with a total down payment of 80,000 yuan and a total landing price of 2 1 10,000 yuan.
If you buy a car in full, then the cost of car maintenance in the later period is not particularly large. But if you buy a car with a loan, according to our above calculation, the monthly payment will be more than 3,600 yuan, and the balance will be 1400 yuan after one month. If the down payment is appropriately increased or the loan time is extended, the loan should be repaid at least 2000 yuan per month. You only have 3000 yuan left every month. After you throw away your daily car maintenance expenses, there is almost nothing left.
Camry belongs to a medium-sized car that saves worry and money. The fuel consumption of version 2.0 is not high either. The average fuel consumption per 100 kilometers given by netizens is about 7~8 liters. The annual fare is between12000-15000 yuan, plus maintenance and insurance costs. The average monthly fare is about 1000 yuan.
You're not particularly tired of owning a Camry. If you borrow money to buy a car, without the help of your parents, your quality of life should be seriously reduced in the past few years after you repay the loan. Although Camry is not a luxury car at present, it is still an upper-middle class car. With Camry joining your life, your quality of life in other aspects will also be subtly improved. At this time, even if you buy a car in full, the salary is a bit tight. You may get by, but you can't save money.
I think it is a bit difficult to buy a Camry even in a small city with a personal income of 5,000 yuan. If you have a good family and your parents can help you constantly, that is another matter. If the whole family is only working-class, it is more practical to buy Lei Ling, Corolla and even Vios and Zhixuan, which are lower than Camry. A car is just a means of transportation. Don't let it ruin your life to save face.
The above is Pony's personal opinion, I hope I can help you. Friends are also welcome to comment in the comment area below. What kind of cars do friends with a monthly salary of 5000 yuan drive?
Million car purchase subsidy