There are many such examples around Xiao Fang. I have a college classmate. He worked for three years and bought a car early. Now he has a broken car and nothing. Besides, he also calculated such an account for me.
Take a 654.38+0.5 million car as an example. Besides your down payment and loan, you will have other expenses, such as gas, parking, maintenance, car washing and insurance. Let's take five years as an example.
Fuel cost: the average 1.6L small-displacement private car uses 8L of fuel per 100 kilometers, and travels about 20,000 kilometers a year. Based on the current 92# gasoline price of 5.9 1 yuan/liter, the five-year cost is 5.91× (8 ÷100) × 2000.
Parking fees: Take first-tier cities as an example, the outdoor parking fee for residential quarters 150 yuan/month (underground garages are generally 400 yuan/month), and the company parking fee is 5 yuan/hour (many prime locations 10 yuan/hour). Then the monthly expenditure is 150+5×8×22= 1030 yuan, and the five-year expenditure is1030×12× 5 = 61800 yuan.
Maintenance fee: once every 5000 kilometers or half a year, about 1000 yuan each time, 2000 yuan a year. 5-year expenditure =2000×5= 10000 yuan.
Car wash fee: Suppose you wash your car four times a month, and each time you go to 20 yuan, the five-year fee = 80×12× 5 = 4,800 yuan.
Insurance: 1.5-0.2 million yuan The auto insurance (commercial insurance+compulsory insurance) for a car is about 5,000 yuan. If there are no accidents in the next year, it will be reduced, and so on. Five-year expenditure = 5000×5 = 25000 yuan.
Total expenditure for five years = 47,280+61800+10000+4,800+25,000 =148,880 yuan.
This is just the daily expenses, plus your down payment and loan, 10.5 million car, down payment of 50 thousand, loan10 million, repayment interest, which cost more than 300 thousand in five years.
If only I could save it, it would have been enough for the down payment of a suite. The house is an asset and a loan. /kloc-After 0/0 years, the house will still be your fixed asset and will increase in value. And a car with a price of150,000 depreciates by 20% a year. 10 years later, don't say it's still worth 20 thousand. Just don't scrap it!
So now many people who buy a car regret it, because it will continue to take money from your pocket and will not add any value. Therefore, young people are advised not to borrow money to buy a car.
Finally, look at a set of data to see how German young people view "buying a car" ...
According to a research report, more than one-third of young people under the age of 25 in Germany said that cars are only the most common means of transportation. They are unwilling to sacrifice their travel expenses or reduce other expenses to buy vehicles. In the 20 10 survey, only 4% of young people prefer to have their own cars after leaving their parents. Only about 7% of German new car buyers are under the age of 29.
"It's not easy to make money, and it's even harder to keep a car." I hope young people will think twice before you act, especially "spending their parents' money to buy a car". ......