The down payment is usually 30%-50%, depending on your conditions. As for the monthly repayment, it depends on how many years you have borrowed it, and the specific repayment amount is different.
The following is the new car data with a total price of 15w calculated by car home Car Loan Computer for you. For reference only:
1.5 million car, how much is the general down payment?
Traditional 4S stores need to pay at least 30% of the car price, plus prepaid purchase tax, insurance and license plate. For example, a car with a price of 1.5 million needs a down payment of about 70,000, and the actual down payment ratio exceeds 40%.
30% of the down payment is 45,000 and 50% is 75,000. This is just a down payment, and we have to prepare about 20 thousand expenses, such as tax and insurance. That is to say, the minimum need is 65,000.
The actual payment ratio of loan car purchase will be greater than the down payment ratio. Although the loan to buy a car can only pay 30% of the bare car price, the purchase tax, insurance fees and other expenses cannot be loaned.
Forms of auto loan:
1, bank loan
Choose a bank loan to buy a car, the loan interest rate is moderate, and there are many kinds of cars to choose from. However, in the process of handling loans, it actually takes time and energy. In order to control risks, banks usually spend a long time reviewing and require applicants to submit a lot of information. If you want to apply and don't bother, a bank loan is a good choice.
2. Payment by credit card installment
As we all know, credit cards don't charge interest by installment, which is also the biggest advantage of buying a car by installment. At the same time, credit card installment is convenient and quick, and it can be done with one phone call. Sometimes banks can enjoy certain discounts when they cooperate with car dealership companies. However, it should be noted that although credit card installment does not charge interest, there is a handling fee.
3. Auto Finance Company
Buying a car with a loan from an auto financing company is not only convenient and fast, but also has a low application threshold. As long as consumers have a certain repayment ability and pay the down payment, they can apply for a loan. However, consumers also need to pay attention to the fact that the loan cost for auto financing companies to buy cars is usually relatively high. Generally, in addition to paying the loan interest fee, there are a series of fees such as handling fees.
4. Company
Buying a car through a loan from a small loan company has a low threshold, unlimited vehicle selection and a higher rate than that of a bank. The loan method and repayment method are more flexible, and the approval is slightly faster than that of banks.
What is the general down payment ratio of car loan?
The down payment of a loan to buy a car is a very prominent problem. How much is the down payment for a general loan to buy a car? Some netizens questioned this question! Answer: First of all, the down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%. If your credit and financial strength can't meet the company's standards, you may be asked to raise the down payment again. Generally speaking, you can fill in 30% when applying for a loan. The amount of down payment is not directly related to the car price, mainly because the loan unit should control the risk. For example, if you make a down payment of 20%, the lender will pay you 80% of the loan. If you don't pay back the loan, he will lose 80%. If you pay 40% down, his risk is only 60%. In addition, the amount of monthly repayment depends on the interest rate of the unit you borrowed. The interest rate of each unit is different, and it also depends on your loan time. The longer the time, the higher the interest rate. If you buy 1.5 million, with a down payment of 30%, then the loan amount is 1.05 million. Let me calculate it for you according to our company's interest rate: the loan is 3 years, that is, 36 months, with a monthly interest rate of 5.5275‰ and a monthly repayment of 3,224.438+0.
With regard to the down payment for car loan 1.5 million, and the down payment for car purchase 1.5 million or more, the introduction of monthly payment is completed. I wonder if you have found the information you need?