Car installment payment can be divided into one year, two years, three years, four years and five years according to the repayment period. The down payment ratio can be 30%, 40%, 50%, etc.

1. Down payment amount = car price * down payment ratio+insurance (full amount)+car purchase tax (full amount)+licensing fee.

Second, the installment interest rate

Total loan amount = new car purchase price-car price * down payment ratio

Monthly repayment amount = total loan amount * term coefficient

For example, the loan is 6,543,800 yuan, and the handling fee is 7.5%, which will be repaid in 24 installments.

Repayment per installment: 65,438+ten thousand /24 = 4 166.67 yuan.

Handling fee = 65438+ ten thousand * 0.0075 * 24 =10.8 million yuan.

First repayment = 4166.67+18000 = 22166.67 (yuan)

Remarks: when preparing the loan, you should prepare the income certificate (if you are married, you need the income certificate of both husband and wife), the household registration book,

Identity card (if you are a husband and wife, you should prepare two copies), and in some places, you need a copy of the property to prove that you have a fixed residence in the local area. If you can provide a business license or something to prove your financial strength, it will be easier to get a loan.

In addition to the interest, the 4S store will also charge a handling fee of 1000-2000 yuan. If the loan is difficult, the 4S store will also suggest looking for a guarantee company to guarantee it (otherwise it will not be able to lend). Taking 60,000 yuan as an example, the cost of the guarantee company is

Around 3000.