I regret it when I buy it.

It takes a long time to use the car, and it is not a trivial matter. It is best to buy a car in one step. More and more friends buy cars and choose loans. Is there a routine for loans? There must be. It seems clear to sell 1 pen and 1 piece of paper, but if we can't count and don't understand, we may be fooled, and the difference may be thousands or tens of thousands.

All the hard-earned prices and hard-earned gifts are in vain, and all the efforts are in vain. What exactly do the various items on the list mean? How to calculate it specifically? Let us ordinary friends who are not auto professionals and have never bought a car know about one, two and three.

The quotation is so complicated that I can't understand it. What do you mean?

There are down payment, monthly payment, interest rate and total interest on the quotation.

Above the quotation, there are generally nothing more than a few things: how much is the down payment? How much is the monthly payment? How much is the interest? Total interest.

The down payment is easy to understand. Generally speaking, the down payment for car loans is about 30%. 654.38+ 30,000 yuan car, we borrowed 70,000 yuan. Monthly payment is the money to be paid back every month. The general car loan is about 2 to 3 years, that is, 24 periods, that is, 36 periods. If it is longer, it can last as many as 60 cycles in five years. A cycle can basically be understood as a month.

What did the salesman say the interest rate was?

Then there is the interest rate, which is relatively complicated. Some salespeople said, "What's our interest rate? 3.5%. "This refers to the monthly interest,/kloc-0.35% interest per month. Some sales habits say "several points", for example, the interest rate is three points, which is the annual interest, 1 3% annual interest.

If the percentage is relatively large, such as the interest rate is 14%, it is generally comprehensive interest. In a word, you have to pay 14% in one lump sum. It may sound a little dizzy. Many salespeople just know that we can't calculate and are easily confused, so they deliberately say this thing is very cheap and the interest rate is very low. In fact, the interest rate they said is different from the mortgage interest rate that some friends are familiar with, and the actual interest rate will be much higher.

There is a report in People 3 15 of Henan Radio and Television Station: Mr. Yang bought a Haval H6. Before buying it, the salesman told him that the interest rate was 5%, so he took out a loan. When buying a car, Mr. Yang asked his friend to do some calculations, only to find that the real interest rate has reached 1, which is much more expensive.

In fact, this kind of thing is not uncommon, and the loan office has done it. If you want to break the contract, there will be liquidated damages, which will be a greater loss and trouble. Now that we have signed our own names, maybe the video is still shooting at us: "Do you understand everything? Say to the camera that you understand, and then sign. " Are they all set up like this?

How to find out the interest rate of the loan?

How can we work out the interest on our loan? It's actually quite simple. As long as we are optimistic about the line of "total interest", generally speaking, we are not afraid of being cheated by a salesman unless he has various other terms or tricks.

There is total interest in the quotation, which is the easiest to calculate.

The meaning of total interest is "how much money has been repaid in total". We also help you calculate: 654.38+ 10,000 yuan car, 30% down payment. If it is repaid in three years, the normal total interest is about 7500 yuan according to the previous 3% calculation. A car with 200,000 yuan is about 65,438 yuan +0.565438 yuan +0.00 yuan, and a car with 300,000 yuan is 22,600 yuan. Friends can refer to it. Every place is different.

Of course, the price of buying a car is different, not as accurate as 65438+ 10,000 yuan. Actually, there is another way. You can search in mobile apps, applets or other software. There is something called "car loan calculator". Enter the loan amount, number of installments and interest rate, and the system will automatically calculate the total interest.

For our reference, it does not bear legal responsibility. Before we make a loan and sign a contract, let's click. If the difference is tens of dollars, it may be fine. The difference is thousands or even tens of thousands to prevent being cheated.

Financial service fees are actually counted as interest.

In addition to the normal interest, many 4S stores sound cheap and the total interest is very low. There is another thing called "financial service fee", which should actually be included in the interest. Generally speaking, the so-called "service fee" for cars with a price of 65,438 438+ 10/00000 yuan is more common. If it is an interest-free loan, the service fee may be more, ranging from 2.3 million to 4,000 yuan.

So, "interest-free loan, um ~ good." It is not really interest-free, so it changed its method and charged all interest in advance. It's a bit like ordering takeout. It says free delivery. Food may become expensive, plus packaging costs. If you want to get rid of the packing fee, you may need to buy a membership card. The reason is similar.

Of course, interest-free loans are really popular now, and many friends want to do it in one step, or have social needs, or be nice to themselves. In some cases, even if there is a service charge, the total interest is still relatively low, which can really be considered.

Changan automobile has a "manufacturer finance", and the automobile factory does this finance itself. Some models provide 36 interest-free loans with a loan of 40,000 yuan, which is about 4,300 less than the interest of ordinary loans. Even if the 4S shop uses the yin-yang method, it has to pay a service fee of 2000 yuan, isn't it 2300 yuan cheaper than the normal loan?

Of course, we should be careful at this time. It is possible that the manufacturer proposed this policy in order to sell the car to us and sell it well. We should also pay attention to its preferential margin and the car price itself.

I want to pay a lower down payment. What's the interest?

In addition to simple interest-free loans, sales may also provide some low down payment, low monthly payment and various loan schemes. Is it worth paddling? Let's talk together.

Want a lower down payment, what is appropriate and what is not appropriate?

Some friends do have a clear budget, and sales may recommend a low down payment plan. For example, if the down payment is 20%, the monthly payment will be slightly more. This is more suitable for friends with relatively small deposits but relatively high and stable wages.

If the seller says, "No problem, our car, this store is engaged in activities, 0 down payment." Attention, because the real interest rate may be high.

Doesn't mean it's always like this, or other manufacturers aren't. For example. The financial plan of 0 down payment given by Chevrolet official, Mai Rui Bao used 196000, compared with the 30% down payment of ordinary loans, the total interest for three years was more 18000 yuan. It costs about 6 100 yuan more each year, which is not cheap but quite expensive.

What's the interest on the interest-only loan?

There are also some manufacturers' official low monthly payment schemes, which only pay interest but not principal, and the interest is also very high. For example, Volkswagen's flexible credit sounds powerful, doesn't it? Toyota's easy financing, as if it could own a car right away, is all this scheme.

Take 1 10000 Toyota Lei Ling as an example. Divided into 1 year, only 733 yuan per month, only 700 yuan. However, the total interest of 1 year is 4300 yuan more than that of ordinary loans. Moreover, there is a balance payment after 1 year, and the big head should be paid in one lump sum. We have to consider: will there be so much balance at once?

Some friends have sold their cars and still owe money to the bank. They made this kind of loan. Of course, in order to avoid this situation, some 4S stores have taken out mortgage loans first. So, my friends, do what you can and spend rationally. It is ok to advance in advance, but it is really not recommended to spend in advance.

There are other flexible loan schemes.

There are many loan schemes, and what I just said is just an example, not to say which manufacturer to hack. There are headaches, of course, there are cost-effective, and some flexible schemes can also be considered.

I thought Toyota was strange just now. Let's give a better Toyota. It has a thing called "jump loan", which specifies a little more than a month every year. For example, in February 65438 or October 65438, when? In the month when the year-end bonus is awarded, it can be paid more then. Isn't this interesting?

There is also a "principal-free loan", which only pays interest in 1 year, and the monthly payment is relatively low. Starting from the second year, we will change back to ordinary loans and start to repay the principal, which will reduce the financial pressure of 1 year. Maybe you have plans and expectations for your career development, or you can get more money next year after managing your finances this year.

Of course, before we do it, we still have to look at the total interest to see if it is acceptable. We can't sign and pay just because the plan is good. Especially when people shoot us with mobile phones, don't say, "Oh, oh, okay, okay, I know all about it, I agree." When you said it, you really agreed.

When buying a car and getting a loan, you should read the quotation carefully.

So in general, when you buy a car and get a loan, you really need to look carefully at the quotation you sell. If necessary, take a photo and send it to a friend to help calculate. We should know the monthly payment and interest first, and then calculate it ourselves.

These things, how to say? Buying on the spot may be embarrassing, people may find you annoying, and they may think in their hearts: Do people think I am picky or something?

It doesn't matter. It's a car, but it costs money. You earned this money yourself. Don't regret after buying and signing. It's not necessary.