Matching principal and interest repayment: monthly payment: 3978.43 yuan; Principal and interest: 143223.5637 yuan; Interest: 1.4 million yuan.

The interest rates of different banks may be different, but it's only a small amount of money.

Supplementary information:

1, car loan interest = loan amount * loan interest rate * loan time, and the specific interest is calculated according to these three parameters.

2. For bank car loan payment, the biggest payment cost is payment interest.

3. Different banks, different loans and different interest rates. The benchmark interest rate for 3-year futures is 6.4%. The actual loan interest rate is usually higher than the benchmark interest rate.

4. Most of the benchmark interest rates go up by 30% to 40%. Are there any other expenses besides mortgage interest? It depends on the specific situation of payment.

Extended data:

First, the conditions for applying for auto loans

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

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 are not afraid of trouble, bank loans are a good choice;

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.

Two. Information to be provided for car loan

1, personal loan application;

2. Valid identification of individuals and spouses;

3, I and my spouse's occupation, position and income certificate;

4. Marriage certificate (unmarried certificate is required, except those who have not reached the legal age for marriage) and household registration book;

5. Original ID card, residence booklet or other valid proof of residence, and provide a copy;

6 car purchase agreement, contract or letter of intent signed with the dealer;

7. Proof of deposit or down payment;

8. The supporting documents or materials required for the guarantee;

9. Other documents required by the Cooperation Organization.