For example, at present, the average interest rate of bank auto loans is generally 65438+ 00% of the bank's benchmark interest rate:1,while automobile mortgage is a personal consumption loan. Generally speaking, the interest rate of personal consumption pledge loan fluctuates 10%-25% according to the benchmark interest rate, and personal credit consumption loan fluctuates 50% according to the benchmark interest rate. 2. The auto loan interest rate is generally slightly higher than the bank benchmark interest rate. For example, at present, the auto loan interest rate of ordinary banks is generally calculated according to the bank benchmark interest rate of 65,438+00%. Before the interest rate adjustment, the central bank's benchmark year 1 year was 5.3 1%, the 2-3 year period was 5.40%, and the auto loan interest rate 1 year period was 5.84 1. 3. After interest rate adjustment, the benchmark annual interest rate of the central bank for 0 years is 65438+5.56%, and that for 2-3 years is 5.6%. The interest rate of auto loan is 65438+6. 1 16% for 0 years and 6. 16% for 2-3 years. Million car purchase subsidy