There are two repayment methods for monthly car loan, namely, equal principal and interest and average principal, and the monthly repayment amount of the two is different.
1. Equal repayment of principal and interest: 4,478.82 yuan per month, the total repayment for three years is 16 1237.42 yuan and the total interest is 1 1237.42 yuan.
24,760.42 yuan, and then decrease every month 16.5 yuan. The repayment amount in the latest month is 4 183, namely 160984.38 yuan, and the total interest is 10984.
deadline
The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Its (including extension period) shall not exceed 3 years, and the loan period of the dealer's auto loan shall not exceed 1 year.
loan rate
benchmark interest rate
According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines whether the high cost of loans is an important factor in people's loan consumption.
How to calculate the car loan interest rate
Calculation formula of monthly car loan: a = p (1i) [(1i) n-1]/n 2/i.
A: Monthly contributions.
P: total donations
I: monthly interest rate (annual interest rate/12)
N: The total number of months of contribution (annual × 12) is determined by the benchmark interest rate of the loan, and customers with excellent general conditions can enjoy the benchmark interest rate or about 10% downward and about 10% upward.
20 13 latest bank loan interest rate: benchmark floating 10%- 15%.
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. Direct customers generally meet directly for customers and transfer the auto loans of auto financing companies to customers.
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 bus fee, there is also a supervision fee.
And credit cards, car loans. Credit card installment car loan only pays the silver period, and there is no audit procedure, so it is difficult for credit card users with bad credit records to handle it.
Second, buy a car now, 10 to150,000, how much is the down payment, and how much is the monthly payment?
How long is the loan term? Answer: banks and auto financing companies are the main institutions that handle auto loans? Under normal circumstances, the term of auto loan is usually 10 year. If the borrower works as a civil servant, the loan term can be extended to the minimum annual down payment ratio, but it also needs to be decided according to the borrower's situation? In terms of loan interest rate, the standards of banks and auto financing companies are different. Generally speaking, the loan interest rate of auto financing companies is higher than that of banks. Different car brands and car dealers cooperate with different lending institutions in the process of loan processing? Because I don't know your specific situation, I don't know what percentage of loans and interest rates you can get from financial institutions. If your conditions are good, your down payment is generally needed. If you get a car loan with a basic bank interest rate, the loan interest rate will be%. The loan term is about 10 years. In this case, your monthly payment will be returned to the new homepage in Yinlv.com. Exclusive manuscript and disclaimer. Any work (words, pictures, charts or audio/video) indicating the source of Yinlv.com shall not be reproduced in whole or in part by any media or individual without authorization. Be cautious about risky investments in the market. The information and conclusions contained in this paper are for users' reference only and do not constitute investment suggestions.
3. How much is the monthly150,000 car loan?
If the car loan 10 million, the monthly supply should be around 4800. This is the result of calculation when the loan term is designed to be three years. The interest rate of bank commercial loans is generally around 5.8. If the loan term is two years, the monthly supply should be close to 6900 yuan. It depends on your own needs before making a decision!
Fourth, 1.5 million car down payment and monthly payment.
Detectives buy cars and pick up cars nearby.