1. Short-term loans within six months (including six months) 4.86 Six months to one year (including one year) 5.3 1 2. Medium-and long-term loans for one to three years (including three years) 5.40 Three to five years (including five years) 5.76 More than five years 5.94 3. The discount is determined by adding the discount rate as the lower limit.
2. What are the fees for car loan?
If you want to borrow money to buy a car, if you don't know what the loan mode you choose, you can't analyze whether you are suitable for this kind of car loan, and you may spend more money but can't buy a suitable car. So before we decide to buy a car with a loan, we should calculate the total cost of the loan ourselves, which will help you to make an accurate judgment on whether the car is worth buying. The following summarizes the four major expenses mainly included in the loan to buy a car for your reference. 1, down payment: generally calculated in proportion to the car price (actual transaction price). Take handling a car loan of about 80,000 yuan as an example. The down payment is 30% of the purchase price, that is, 80,000× 30% = 24,000 yuan. 2. Monthly payment: Generally, the repayment methods include equal principal and interest, average capital and credit card installment payment: the monthly repayment amount is the same. At the initial stage of repayment, the interest ratio is large and the principal ratio is small. After half of the repayment period, the proportion of principal is large and the proportion of interest is small. The total interest paid is more than the average capital method. Calculation method: total loan amount × monthly expected annualized interest rate × monthly expected annualized interest rate ÷[(65438+ 10 expected annualized interest rate) total repayment months-1] average principal: if the monthly repayment amount is different, the loan amount is divided into equal parts according to the total repayment months (average principal), plus the monthly interest of the remaining principal in the previous period. The total amount of interest paid is less than the equal principal and interest method. Calculation method: loan principal ÷ total repayment months (loan principal-accumulated repaid principal amount) × expected annualized interest rate per month. Credit card installment: monthly repayment is the total loan divided by the total repayment period. Calculation method: total loan ÷ total repayment months 3. Total interest This is to calculate part of the extra cost of buying a car by loan according to the loan amount, expected annualized interest rate and loan term. At present, most car loans are zero expected annualized interest rate (no loan interest), and the handling fee is equivalent to the total interest to be paid. 4. Handling fee Bank handling fee: It is usually charged in proportion to the loan amount and increases with the increase of the loan term. For example, the loan 12 months, the handling fee is 4%; The loan is 24 months, and the handling fee is 8%. This handling fee is not paid to the 4S shop, but charged by the bank. 4S shop handling fee: In addition to the bank handling fee, 4S shops have to charge some handling fees in some car loan schemes. Generally speaking, this fee can be waived by negotiating with 4S stores.
3. How much does it cost to sell a car loan?
Loans are particularly deep, some say interest-free loans, but some impose things, and the normal interest rate is 6%.
4. What are the charges for interest-free car loans?
Handling fee, discount. Actually, it means the same thing as interest. Last time I made a financial loan of 60,000 yuan in Ford, the handling fee was almost 1 10,000 yuan.