Calculation and evaluation methods:
1, current market price = bare car price of new car at that time × (1-15% )× (1-15% )× (1-15%). ...
2. See how long it takes to insure and check the car. If the time is still long, the insurance and vehicle inspection fees must be increased in proportion to the time.
3. Complete procedures, complete car purchase invoices, keys (generally 2), manuals, toolboxes, fire extinguishers, emergency tools, tripods, etc. And those who have been to the 4s shop for maintenance, you can raise the price appropriately, depending on the individual.
4. See if there have been any major accidents, otherwise it will be discounted by 30%-50% on the basis of the current market price.
5. Look at the actual car condition, including engine, chassis, gearbox, shock-absorbing suspension, body paint and sheet metal, various electrical appliances, car lights (including headlights, fog lights, width indicator lights, brake lights, cabin lighting, cabin atmosphere lights, etc.). ), interior, tires, brakes, various oils (engine oil, gearbox oil, brake oil, etc.). ), car batteries, etc. If all items are normal, execute the first item; Otherwise, these items should be discounted separately.
6, test drive, intuitive feeling, it is best to run on urban roads and high-speed, to see whether the gear shift is smooth, whether the brakes are normal, whether the direction is deviated, whether there is abnormal sound, whether the central control is intact, whether the glass is intact, whether the glass rises and falls smoothly, and how low-speed performance and high-speed performance are. If they are all normal, they shall be evaluated according to Article 1; Otherwise, these items should be discounted separately.
Loan to buy a used car calculator
The loan calculator is a professional mortgage calculation software. Calculate the monthly payment, total interest and total repayment of commercial loans when choosing the repayment method of average capital and equal principal and interest. Tool description 1. Calculate the monthly payment, total interest and total repayment when the average capital and equal principal and interest repayment methods are selected for commercial loans. 2. Short-term loans generally use one-time repayment of principal and interest or installment repayment of principal and interest, and this calculator is not applicable.
The loan for buying a used car is 86,000 yuan, which will be paid off in three years. How much will it be paid back every month?
The loan for buying a used car is 86,000 yuan, which will be repaid in three years. How much to pay back each month depends on your loan interest rate and repayment method. About 2500 yuan per month. If the loan interest rate is 7%, the repayment period is 3 years, and your loan amount is 86,000 yuan, and the current repayment is basically equal principal and interest repayment, then the interest you need to repay is 6,020 yuan, then your total repayment amount is 92,020 yuan, and after three years of 65,438+2 months, your monthly repayment amount is 2,556 yuan, and there may be some car loans.
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Advantages and disadvantages of auto loan:
1, high amount: the maximum amount of bank car loan can reach 80% of the vehicle value, but the specific amount will be determined by the bank according to the borrower's personal qualifications.
2. Long term: The longest term of this loan method can reach five years, which effectively relieves the financial pressure of car buyers.
3. Credit card installment and auto financing company loans have certain restrictions on car models, which is not conducive to car buyers' car selection, while bank car loans have no restrictions on car models, and borrowers can choose their favorite models.
Banks have always been cautious, so it takes a long time to examine and approve the qualifications of borrowers. If the borrower doesn't have enough patience, I believe the bank car loan is not suitable for you! If the borrower wants to apply for a loan from the bank to buy a car, the borrower needs to know a series of policies of the relevant bank in advance, make all kinds of preparations in advance, and strive to pass the loan approval at one time.
5. To apply for a car loan from a bank, the borrower needs to provide basic information such as valid identity certificate, marriage certificate, residence certificate, income certificate, and collateral (pledge) recognized by the bank when necessary.
6. Although the bank car loan interest rate is low, there are many miscellaneous fees, such as guarantee fees and mortgage fees, which will increase the loan cost to some extent.
7. High reference interest rate: As automobiles are consumables, the reference interest rate of loans given by banks to control credit risk is relatively high, generally rising 10%-30% on the basis of the benchmark reference interest rate.
Used car loan calculator online
The second-hand car loan calculator is a calculator specially used to calculate the monthly payment of car loans, which is similar to the mortgage calculator in essence but slightly different.
Term of car loan: Generally, the term of car loan is 1-3 years, with a maximum of 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years.
Car loan interest rate: the loan interest rate of used cars is generally higher than the mortgage interest rate, so you can find a suitable bank to handle the loan yourself.
Repayment method: you can choose one-time repayment of principal and interest and installment repayment.
Generally, second-hand car dealers lend about 7% interest, which is 0.7% monthly interest, which translates into 8.4% annual interest. If the down payment is 30% or 50% and the loan term is 24 or 36 years, the annual interest rate of the loan is 6.6%.
Loans in the used car market are different from new car loans, and there will be some preferential subsidies. Moreover, for a three-year loan for used cars, the minimum down payment is 50%, and the total interest is more than 20% of the total loan. The calculation formula of loan interest for used cars is: monthly payment × loan term-loan amount = total interest.
How much is the interest on used car loans?
Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of the second-hand car loan interest calculator and the second-hand car installment calculator. I wonder if you have found the information you need from them?