1 and1.8000 car price, 20% down payment of 36000 yuan, loan of1.4400 yuan;

2. The interest in the first year is144,000 yuan, and the annual interest rate is 0.0269 yuan = 3,873.6 yuan;

3. The repayment in the first month is 3,873.6 yuan/12 months =322.8 yuan; 6. The loan principal in the first month is 6.5438+0.44 million yuan /36 months = 4,000 yuan. 7. The interest on the loan principal in the first month is 4,000 yuan, 322.8 yuan = 4,322.8 yuan. Note that 4322.8 yuan should be the principal interest of the first month. As the loan principal decreases month by month, the loan interest will also decrease. Please communicate with the car dealer!

Second, how to calculate the car loan interest?

Car loan can be calculated by the formula "interest = loan principal, loan interest rate and loan term". Generally speaking, lending institutions will decide the borrower's loan interest rate, loan amount and loan term according to the borrower's personal qualifications.

Assuming that the borrower's loan amount is 50,000 yuan, the loan term is 3 years, and the loan interest rate is calculated according to the benchmark interest rate of 4.75%, the total interest payable by the borrower is 5000034.75% = 7 125 yuan.

Third, how to calculate the car loan interest and how to calculate the loan interest.

Party A's evidence: IOU (the borrower has private signature-deputy manager and accountant of the company, but no official seal), IOU content: XXX yuan (Party A), XXXXXX (signature of deputy manager and accountant). Party B's evidence: 1) The lender signs the company's signature form to receive interest; 2) The cashier's accounting accounts all reflect that Party A lent money to the company; 3) Party A directly. 4) Certificate of entrustment issued by the corporate manager of the company (agreed with Party A by telephone in advance, handled by both parties by telephone, and ratified by the corporate afterwards); 5) Party A is a shareholder of the company (registered by the Industrial and Commercial Bureau) and has not contributed. In recent years, there has been an agreement between shareholders and the company that Party A must issue private IOUs (reflected in accounting accounts and the same or similar private IOUs in the past). Among them, there are IOUs privately signed by legal persons and accountants for the first time to borrow money for the company, all of which were signed by Party A), and there are two outstanding IOUs, which is one of them. Now the company's closure means losing money. Party A thinks that the company is a shell company and doesn't agree to lend money to private individuals. Therefore, you are required to write a private debit note and always lend it to private individuals. It is a private loan signed by two people. How to repay and interest does not affect the relationship between creditor's rights and debts. It's a personal loan for two people. Party B believes that it is a duty behavior for two people to sign and write IOUs entrusted by legal persons. Party A gives the money directly to the company/cashier instead of two people (the loan between natural persons is not effective). It is the company's usual practice to borrow money from Party A and write personal IOUs. The company's accounting records are clear, and the interest is signed in the company (the company and Party A will recognize it again). Borrow money for the company and ask for it! The question is: 1) Is it a corporate loan or a private loan? 2) Which side of the legal facts is conclusive? The company is dying now, and Party A can only ask two people to repay, and the IOUs are direct evidence! Party B's question: The trustee can't sign the contract in the name of an individual because they signed the IOU but was entrusted by the legal person to sign it on behalf of the company? When signing the contract (IOU), Party A knew that it borrowed money on behalf of the company (evidence: 1, documentary evidence left by Party A after receiving interest for several years in the company, documentary evidence left by Party A after signing the bill/knowing the principal for more than three years in the company is the same loan, 4. Party A is a shareholder, two people are identified, and the legal person entrusts the certification materials). In addition, Party A fulfilled its payment obligations to the company and paid the company. According to the principle of fairness in civil law and the relativity of contract, one person cannot claim rights from two people. If it is private lending (lending between natural persons), according to Article 2 10 of the Contract Law, the contract will not take effect.

Four, the calculation formula of automobile loan interest

Car loan calculation formula: 1. Repayment of principal and interest, that is, equal repayment of loan principal and interest every month during the loan period. The calculation formula of monthly repayment amount is: monthly repayment amount = loan principal × monthly interest rate ×( 1 interest rate) repayment months /[( 1 interest rate) repayment months-1]; Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years. Car loan types Car loan personal loan car purchase business is divided into three types: direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. Finally, I can drive the car away smoothly. Loan terms: 1. Having valid identification and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions stipulated by the Cooperation Organization.