Hello, different banks have different interest rates. At present, the general annual interest rate is 4-6%.

2. What is the interest on the loan to buy a car?

According to the regulations of various banks, the interest rate fluctuation of different banks is different, which is also related to the loan method and installment period. For example, 90 thousand yuan car loan for three years, the interest is about 5220 yuan.

1, installment payment: 90,000 yuan x 30% = 27,000 yuan.

2. Loan: 9000-27000=63000 yuan.

3. Subtotal of commercial insurance: 465,438+067 yuan.

4. Purchase tax, license tax, travel tax and compulsory insurance =9500 yuan.

If the loan is calculated in three years, the down payment is 40,729 yuan, the monthly payment is 65,438 yuan+0,895 yuan (36 months) = the total cost is 65,438 yuan+0,089,49 yuan, which is 5,220 yuan more than the full car purchase.

Calculation method of automobile loan interest:

The calculation formula of equal principal and interest is: monthly principal and interest repayment = [principal x monthly interest rate x( 1 interest rate) loan months ]/[( 1 interest rate) repayment months-1] monthly interest repayment = remaining principal x monthly interest rate /2. The formula for calculating interest repayment of average capital is: monthly repayment of principal and interest = (principal/repayment. Monthly interest rate monthly principal = total principal/repayment months interest = (principal-accumulated repaid principal) × monthly interest rate repayment total interest = (repayment months 1) loan amount monthly interest rate /2

Third, how much interest is the car loan?

The car loan interest rate is not fixed. According to the regulations of the central bank, the benchmark interest rate is implemented for car loans, but financial institutions can float within a certain range of the benchmark interest rate.

The repayment period of most car loans will not exceed 5 years, and the annual interest rate of car loans will not be lower than the national benchmark interest rate. The national benchmark loan interest rate 1-5 years is 4.75%, and the one-year interest rate is 4.35%, so the minimum annual interest rate for general car loans is 4.35%.

The car loan interest rates of various banks are generally as follows:

1: Bank of China: loan term 1 year, loan interest rate of 4%; 2 years, 8%; 3 years, 12%.

2. China Construction Bank: 1-3 years (including 3 years), 5.3 1% years; 3-5 years (inclusive), 5.4% years.

3. Industrial and Commercial Bank of China: within 6 months (including 6 months), the car loan interest rate is 5.60%; The car loan interest rate for 6 months to 1 year (including 1 year) is 6.00%; 1-3 years (including 3 years), 6. 15% years; 3-5 years (including 5 years), 6.40% years; More than 5 years, 6.55% years.

The higher the loan principal, the longer the repayment time and the higher the interest rate, the car loan interest rate is not static. There are many factors that affect the interest rate of car loan. The car loan interest rate is adjusted by the lending institution according to the benchmark interest rate of the central bank. The accurate loan interest rate will also be influenced by personal credit information, the lending institution's own situation and the borrower's own factors.

4. What is the annual interest rate of15w car loan?

Matching principal and interest method: loan principal: 150000, assuming annual interest rate: 4.750%, loan life: 3 years; Monthly debt service: 4,478.82 yuan, total debt service: 16 1237.52 yuan, * * interest payable:. The interest paid in 1 month is: 593.75; The first 1 month principal repayment amount is: 3885.07; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)