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I want to borrow money to buy a new car. I want to borrow100000 yuan. How many years can I pay off at most? How much is the interest on the down payment?

The loan can only be borrowed for three years at most, and the down payment is more than half. The interest rate is the normal commercial interest rate, that is, 1. 1 multiple of the normal interest rate. The interest rates of the four major banks are slightly lower.

Third, how many years can I borrow a new car loan?

According to the relevant regulations, if it is a new car loan, the longest loan period is 5 years; If it is a second-hand car loan, the longest loan period is 3 years. The specific loan term is determined by the lending institution according to the repayment ability, occupation and credit information of the applicant. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of auto loans is determined by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years. The borrower of the loan object must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. Loan Term Car Loan Term Car consumption loan term is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year. Loan interest rate benchmark interest rate According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines people's loan costs, which has become an important factor in determining whether people lend. How to calculate the monthly repayment amount of car loan interest rate: a = p (1I) [(1I) n-1]/n 2/ia: monthly contribution P: total contribution I: monthly interest rate (annual interest rate/12 The direct customer type is generally a bank car loan for customers to meet and directly apply for loans, and the indirect customer type is generally a car loan for auto financing companies to transfer customers' car loans. For direct bank car loans, the fees charged are deposit, principal and interest, 3% guarantee fee and so on. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to paying the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees, and warranty renewal deposits. There is also a credit card car loan. Credit card installment loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records to handle. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder will fill in the installment order of car purchase at the dealer with the ID card, and the bank background will review it. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go through the mortgage formalities at the bank and buy the required auto insurance. Finally, we can drive away smoothly.