The purchase tax is the biggest expenditure.
1. Now the percentage below 1.6 is 5%? 1.6-3.0 is 10%, and above 3.0 is 17%. There is also car damage insurance: car price ×0.9%+ basic premium (342 yuan).
2. Third party liability insurance: claim 200,000 yuan, with a fixed premium of 952 yuan.
3. Passenger insurance on board: the insured amount is 10000 yuan per seat, 10000×0.29× number of seats.
4. The whole car is stolen and rescued: the car price is × 0.42%.
5. Risk of glass breakage: car price × 0. 12%.
6. Free of charge for car damage insurance: car damage insurance premium × 15%
7. No deductible for the third party: the premium of third party liability insurance × 15%.
8. Compulsory traffic insurance: 950 yuan attached: for example, the price of a new car115,800 yuan, with five seats. Then the annual premium is calculated as: 1. Car damage insurance: ×0.9%+ basic premium (342 yuan) 2. Third party liability insurance: 200,000 yuan fixed premium: 952 yuan = 952 yuan 3. Car seat insurance: per seat 1 ten thousand yuan, 1 ten thousand ×
4. Car theft rescue: × 0.42% = 5. Risk of glass breakage: × 0. 12% = 6. Car damage insurance is not included, and it is deductible: car damage insurance premium 1384.2 yuan × 15% = 207.63 yuan 7. The third party is excluded from compensation: the third party liability insurance premium is 9538 yuan.
9.*** Premium: compulsory insurance+commercial insurance = 950 yuan +( 1384.2 yuan +952 yuan+145 yuan +486.36 yuan+138.96 yuan +207.63 yuan+142.
10. The above premium is a general algorithm, because the rate of each insurance company is different, so there are differences.
Extended data:
Car purchase tax refers to the tax to be paid when buying a car. The purchase tax is 65,438+00% of the car price (excluding tax). Taxpayers of vehicle purchase tax are units and individuals who purchase (including buying, importing, producing, accepting gifts, winning prizes or obtaining them for their own use) taxable vehicles, and the tax rate is 10%. Except cars, motorcycles, trams, trailers, etc.
Collection standard:
According to the relevant provisions of the Ministry of Finance Accounting [2000] 18:
Taxable vehicles purchased by enterprises (including purchase, import, self-production, donation, award-winning or other forms of self-use) shall be included in the cost of vehicles. Because it belongs to the relevant taxes and fees for purchasing fixed assets.
The tax rate of automobile consumption tax in China has been basically formulated, but the reason why it has not been introduced is the choice of two collection schemes, which are divided into five or seven grades.
According to the 7 grades, the lowest tax rate will be only1%; The lowest tax rate for the fifth tranche is 3%, which is the biggest difference between the two schemes. In the 7-level collection scheme, the classification of exhaust volume is refined. For cars only, it will be divided into 7 sections according to 1 liter, 1.5 liter, 2.0 liter, 2.5 liter, 3.0 liter and 4.0 liter. The lowest tax rate can be as low as 1%, and the highest tax rate is still 20%.
In addition, the tax rate of other grades will fluctuate between 3% and 25%, and the tax rate of other types of passenger cars will be between 1%-9%.
Some experts and scholars have put forward the suggestion of automobile purchase tax, which can reduce the unified 10% purchase tax rate to 5%~8%. The person in charge of the Turnover Tax Department of the Department of Taxation and Administration of the Ministry of Finance believes that "levying tax rates by grades will be the main direction of the future automobile tax reform, and the new automobile consumption tax is only adjusted for the production links of automobiles.
If we want to promote industrial development, we need to encourage domestic consumers to buy cars. Therefore, it is indeed possible to reduce the automobile purchase tax. At present, the focus of work is still on automobile consumption tax, and the purchase tax has not been put on the agenda. "
One is to merge the subtitle of cars and off-road vehicles into the subtitle of passenger cars.
Second, the consumption tax on passenger cars is divided into five grades, that is, the tax rate below 1.0 liter is 3%; The tax rate of 1.0L (inclusive) to 2.2L is 5%; The tax rate for displacement of 2.2 liters (inclusive) to 3.0 liters is 9%; The displacement is 3.0 liters (inclusive) to 4.0 liters, which is14%; A consumption tax of 20% is levied on the displacement of more than 4.0 liters.
Third, passenger cars with less than 24 seats are still subject to the current tax rate of 3%, passenger cars with a displacement of 2.0 liters (inclusive) to 3.0 liters are subject to the tax rate of 5%, and passenger cars with a displacement of 3.0 liters or more are subject to the tax rate of 8%.
Vehicle purchase tax in developed countries in the process of buying a car, the usual practice in developed countries is to adopt a light tax policy, that is, the amount collected is very low. The vehicle purchase tax in the United States is a local tax, which varies from state to state, and the largest state is only about 6%. In the process of buying a car, Europe only collects value-added tax, and the tax rate varies from country to country, with Italy and France around 20%.
After buying a car, you need to pay taxes such as fuel tax, and fuel tax is the most important part of automobile tax in developed countries. The fuel tax rate in EU countries is generally above 200%, while that in Japan is about 120%.
Reference link: Baidu Encyclopedia-Automobile Purchase Tax