"I am a courier, with a monthly salary of 8,000 yuan and a deposit of 50,000 yuan. Is it difficult to buy a Toyota Camry with a loan? " This is a message from a fan backstage. After reading the message, I believe every reader has his own opinion. In fact, I personally feel that the grade of Toyota Camry is already relatively high. It's a 200,000-class mid-level car. Even if it is an entry-level low-profile model, the cost of landing all models is basically around 200,000. The redesigned Toyota Camry is still fashionable and dynamic, and is deeply loved by young consumers. So, with a monthly salary of 8,000 yuan and a deposit of 50,000 yuan, will it be stressful to buy a Camry with a loan?
Let's calculate in detail how much it costs to buy a minimum Toyota Camry with a loan. The picture above is the data I have calculated. The minimum model of Toyota Camry is 2.0E Elite Edition, and the guide price of this model is179,800 yuan. As far as I know, at present, the preferential margin of Toyota Camry's market terminal is not particularly large, so the price of bare cars is around176,000 yuan. Considering that the deposit of this fan is only 50 thousand, we calculate the down payment.
As can be seen from the above figure, the loan of RMB 6,543,800+0.50 million is repaid in three years without interest, and the monthly payment is RMB 4,654,438+0.66. After buying a car, there is actually a maintenance fee for the vehicle. The fuel cost of the vehicle accounts for a relatively large proportion in the maintenance cost of the vehicle. In addition to raising the car fare, I also have my own daily living expenses. I calculated this part of the cost according to 2000 yuan. This fan said that he earns 8000 yuan a month. According to my calculation, although there is still 1834 yuan left, I think it is still quite difficult.
Because my above calculation method is actually conservative, because when buying a car with a loan, if the down payment ratio is relatively low, then most models will have interest. If interest is included, the monthly fee will be higher. And after buying a car, we actually live a higher life than before without a car, so although the monthly salary is 8 thousand, I think it is still very difficult to buy a Toyota Camry with a loan. Because if this continues for three years, it will reduce your quality of life, and more importantly, there will be stress every day.
Summary: Let's talk about Toyota Camry itself. In the same class, Toyota Camry has a good reputation and sales performance. After the change, the appearance of the model is more fashionable and dynamic, and the configuration has also improved a lot. But then again, when we buy a car, we should try our best to consider our financial ability. It is best to buy a car that suits us, because we buy a car to improve the quality of life. If you really need a car instead of walking, you can also consider a 65438+ million Toyota Corolla. If you have different opinions, remember to leave a message in the comment area and discuss it together.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.