If the property is mortgaged, you have complete property rights, and the house that has been repaid can be mortgaged to buy a car. The prices of ordinary cars are relatively high.

Credit card installment payment is generally limited.

Generally 8w, the down payment is 2w4, and the expenses such as insurance 7788 are about 3w.

2. What are the loan fees for buying a car?

Nowadays, buying a car with a loan has become a well-known way to buy a car. As for the cost of buying a car by loan, what is the cost of buying a car by loan?

The loan to buy a car mainly includes four expenses:

1, down payment: generally calculated in proportion to the car price (actual transaction price).

So the down payment is 30% of the purchase price, which is 8.

2. Monthly repayment: Generally, repayment methods include equal principal and interest, average capital and credit card installment.

Equal principal and interest: the monthly repayment amount is the same. At the initial stage of repayment, the interest ratio is large and the principal ratio is small. After half of the repayment period, the proportion of principal is large and the proportion of interest is small. The total interest paid is more than the average capital method.

Calculation method: total loan amount × monthly expected annualized interest rate × monthly expected annualized interest rate) Total repayment months-1]

Average capital: the monthly repayment amount is different. That is, the loan amount is divided equally according to the total number of months of repayment (average funds), plus the number of months of remaining principal in the previous period, so the repayment amount in the first month is the most, and then it becomes less and less. The total amount of interest paid is less than the equal principal and interest method.

Calculation method: loan principal ÷ total repayment months (loan principal-accumulated repaid principal)

Credit card installment: repayment according to the total number of repayment installments.

Calculation method: total loan ÷ total repayment months.

3. Total interest

This is based on the loan amount, expected annualized interest rate and loan term, and it is calculated that most loans to buy a car have zero expected annualized interest rate (no loan interest), and the handling fee is equivalent to the total interest to be paid.

4. Handling fee

The proportion of silver collection will increase with the increase of loan term. For example, the loan 12 months, the handling fee is 4%; The loan is 24 months, and the handling fee is 8%. This handling fee is not paid to the 4S shop, but charged by the bank.

4S shop handling fee: In addition to the bank handling fee, 4S shops have to charge some handling fees in some car loan schemes. Typically, this fee can be

3. What are the loan fees for buying a car?

Buying a car by loan has become a well-known way to buy a car, but many people don't know much about the cost of buying a car by loan. So, how much does it cost to buy a car with a loan? Buying a car by loan mainly includes four expenses: 1, and down payment: generally calculated according to the proportion of the car price (actual transaction price). Take handling a car loan of about 80,000 yuan as an example. The down payment is 30% of the purchase price, that is, 80,000× 30% = 24,000 yuan. 2. Monthly payment: Generally, the repayment methods include equal principal and interest, average capital and credit card installment payment: the monthly repayment amount is the same. At the initial stage of repayment, the interest ratio is large and the principal ratio is small. After more than half of the repayment period, the proportion of principal is large and the proportion of interest is small. The total interest paid is more than the average capital method. Calculation method: total loan amount × monthly expected annualized interest rate × monthly expected annualized interest rate ÷[(65438+ 10 expected annualized interest rate) total repayment months-1] average principal: if the monthly repayment amount is different, the loan amount is divided into equal parts according to the total repayment months (average principal), plus the monthly interest of the remaining principal in the previous period. The total amount of interest paid is less than the equal principal and interest method. Calculation method: loan principal ÷ total repayment months (loan principal-accumulated repaid principal amount) × expected annualized interest rate per month. Credit card installment: monthly repayment is the total loan divided by the total repayment period. Calculation method: total loan ÷ total repayment months 3. Total interest This is to calculate part of the extra cost of buying a car by loan according to the loan amount, expected annualized interest rate and loan term. At present, most car loans are zero expected annualized interest rate (no loan interest), and the handling fee is equivalent to the total interest to be paid. 4. Handling fee Bank handling fee: It is usually charged in proportion to the loan amount and increases with the increase of the loan term. For example, the loan 12 months, the handling fee is 4%; The loan is 24 months, and the handling fee is 8%. This handling fee is not paid to the 4S shop, but charged by the bank. 4S shop handling fee: In addition to the bank handling fee, 4S shops have to charge some handling fees in some car loan schemes. Generally speaking, this fee can be waived by negotiating with 4S stores.

Fourth, the fees that must be paid for picking up the car by stages?

1, down payment, now most vehicle manufacturers have interest-free or low-interest policies, so now more and more people buy cars by installment.

2. Insurance premium. The main types of insurance for loan vehicles are: car damage insurance, third party liability insurance, theft and emergency rescue, excluding deductible insurance, travel tax and compulsory insurance.

3. Vehicle purchase tax. This fee is no different from the full amount of the mortgage. The current preferential policy of 75% discount on vehicle purchase tax has been cancelled.

4, handling fees, each charge is different, some 4S stores provide financial interest-free mortgages to manufacturers, but they charge 3,000 yuan for mortgage fees. Whether this fee is charged or not is generally agreed in the car booking contract.

5, the outbound fee, some models of 4S stores will charge the outbound fee, the minimum is about 500.

6. Other expenses, such as getting a card for you. But these are all for consumption, and a few hundred dollars is the most. The main extra expenses of buying a car with a loan are loan interest and some extra insurance premiums. In fact, according to the price of your parking space, it should not be much more than the full amount, and it is estimated to be around 3000-4000.