How much is the down payment for the car loan?

1. What is the down payment for the loan to buy a car?

Generally, the down payment for buying a car is 30%. The down payment of a car is calculated as a percentage of the bare car price. For example, a car with a price of 65,438+10,000 yuan (bare car price) has a down payment of 30% of 30,000 yuan and a down payment of 40% of 40,000 yuan.

At present, the down payment ratio when buying a car is generally 30%, and consumers can also choose a lower 20% down payment or a higher 40% or 50% down payment; These can be freely chosen according to the cash on hand.

1. Bank loan: The down payment for buying a car is generally 30% to 50%.

2. Loans from auto financing companies: the down payment for automobiles is generally 20%. If you buy a car with a loan, you generally don't need to mortgage anything else. Collateral is the vehicle purchased by the user. The loan period is limited. According to the qualifications of the lender, the loan term will be different, generally 3 years, and the longest is not more than 5 years.

It should be noted that the "treatment" enjoyed by different down payment ratios is different: the higher the down payment ratio, the less conditions need to be reviewed. For example, for a down payment of 30%, buyers need to provide valid identification, married people need to provide marriage certificates, buyers need to provide real estate licenses, and the most important thing is to provide bank running water (1 to 2 years) to prove that there is a stable and legal source of income.

Note: If you don't buy a car with a down payment of 0, you will pay about 30% down payment for a car with a price of 6,543,800+10,000, and the remaining 70,000 loans, and the handling fee is generally about 3,000 yuan. The annual interest rate generally fluctuates between 4% and 8% according to the comprehensive evaluation of personal credit information, down payment amount and preferential activities. It is calculated at 5% here. The total interest of the loan for three years is 70000x5%x3= 10500 yuan, and the monthly repayment fee is (70000 10500)/36=2236 yuan.

Why do some old drivers suggest never taking out a loan to buy a car? Mainly there may be some traps/routines. For example, to participate in zero down payment interest-free preferential activities, you need to buy insurance in our store, or decorate, film, maintain, etc. Some even charge a handling fee or service fee. Often, the fees earned by these parts are higher than the interest on the loan to buy a car. Therefore, it is suggested that consumers should first understand the details of loan charges when choosing loan products to avoid unnecessary losses.

Second, how much is the down payment for buying a car mortgage?

30% down payment, the remaining 70%, 56,000 installments, ranging from 65,438+0-5 years, 56,000 is divided into 65,438+0-5 installments on average, and then divided into 65,438+02 installments after the loan amount is repaid every year, that is, you have to repay the principal every month, plus interest. It's your monthly payment. The interest depends on the requirements of the bank. Generally, it is equal principal and interest repayment, and compound interest at one time.

3. How much is the down payment for buying a car mortgage?

Generally, it is 20% or 30%, and 50% is also available.

4. What is the minimum installment for buying a car?

How much is the minimum for buying a car by installment? You should consider the following:

First, the down payment ratio of the car you bought.

Insurance premium includes compulsory insurance and commercial insurance. Commercial insurance should at least consider car damage, theft, robbery and deductible. Three insurances are responsible for paying compensation to third parties, with different coverage, such as 300,000 and 500,000.

Three. New car purchase tax: estimation method: approximate value is obtained from the vehicle issue fare of/1 1.7 (the taxation place is determined according to the vehicle configuration), and the emissions of 1.6L and below are levied at 75%.

4. Installment fees and other miscellaneous expenses.

Take the car of about 654.38+ 10,000 as an example. If the down payment is 20%, the car is estimated to be 30,000 to 40,000.