Legal subjectivity:

First of all, the loan interest rate of the car buying bank is as follows:1-0/2 months annual interest rate 4.78% monthly interest rate 0.44% 24 months annual interest rate 4.94% monthly interest rate 0.4575% 13-36 months annual interest rate 4.94 1% monthly interest rate 0.4575%. If the purchased vehicle is used for business purposes such as rental operation and car rental, the longest period is generally not more than 36 periods (i.e. 3 years).

Legal objectivity:

Measures for the Implementation of Special Tax Adjustment (for Trial Implementation) Article 107 Where the tax authorities make special tax adjustments to enterprises in accordance with the provisions of the Income Tax Law and its implementing regulations, they shall pay extra interest on the enterprise income tax collected after the transaction on June 65438+ 10/2008. (1) The interest period starts from June 1 day following the tax year and ends on the date of tax payment (prepayment) and warehousing. (2) The interest rate is calculated by adding 5 percentage points to the benchmark interest rate of RMB loans of the People's Bank of China (hereinafter referred to as the "benchmark interest rate") implemented on February 3 1 day of the tax year to which the tax belongs, and the daily interest rate is converted into 365 days a year. (3) Where an enterprise provides information and other relevant information for the same period in accordance with the provisions of these Measures, or an enterprise is exempted from preparing information for the same period in accordance with the provisions of Article 15 of these Measures, but provides other relevant information in accordance with the requirements of the tax authorities, interest may be calculated only at the benchmark interest rate. An enterprise is exempted from compiling data for the same period in accordance with the provisions of Item (1) of Article 15 of these Measures, but after investigation by the tax authorities, its actual related party transaction amount reaches the standard of compiling data for the same period, and the tax authorities charge interest on overdue tax, the provisions of Item (2) of this article shall apply. (4) The interest charged according to the provisions of this article shall not be deducted when calculating the taxable income.

How much is the interest on the loan to buy a car?

Interest bearing.

Loans to buy a car generally have interest. However, some 4s stores will launch a 0-interest loan to buy a car. Although they will not charge interest, they will charge a higher service fee. The handling fee is similar to the loan interest, but it is actually disguised interest.

If it is a bank car loan, the loan interest rate generally fluctuates on the benchmark interest rate of the central bank loan. If it is a car loan from other financial companies, the loan interest rate is generally set according to market conditions, and there is no standard.

The benchmark interest rate for central bank loans is:

1, and the loan interest rate within one year is 4.35%:

2. The loan interest rate for one to five years is 4.75%;

3. The interest rate for loans over five years is 4.90%.

1. Now interest-free or zero down payment activities are generally launched to buy a car. Now, let me tell you some precautions to prevent being pitted. Now the so-called low down payment or zero down payment is mostly a pit. Maybe when you buy this car, you will find that it is settled in the name of the company, but the car and yourself are leased and must be paid off within the specified time. If it is illegal, the car will be recycled, and the money spent before will not be recovered.

2. There are still many merchants who attract friends who want to buy a car through zero down payment, but they can't resist the temptation. After buying it, they know that the merchants will tie in high insurance, force you to take full insurance on the pretext of buying a car with zero down payment, or let you buy some specific products of the insurance company. At this time, the insurance you buy will be more expensive than other people's insurance, and it will also make you buy some insurance that is not practical at all.

3. It should also be noted that you must confirm the time and amount of your repayment. When you buy a car with a loan, you must clearly list the procedures and expenses you need. Compare more and choose the channel that suits you. Don't just look at the so-called 0 down payment, low interest, or 0 down payment, 0 interest. These are routines. Everyone must read the contract clearly.

What is the general interest rate for car loans?

How can you not know the car loan interest rate if you want to apply for a car loan? There are generally two modes of auto loan: direct loan: the borrower directly applies for auto loan from the bank and then buys a car at the auto dealer; Intermittent loan: the borrower buys a car at the garage before applying for a loan.

No matter what kind of loan, we hope that the lower the loan interest rate, the better. If you don't need interest rate, it's best. Sure, just thinking about the idea. After all, commercial banks and other lending institutions are profitable.

However, the interest rate of bank loans is generally the lowest among all loan channels, which is one of the reasons why many people will give priority to banks when they need loans.

What is the interest rate of 20 18 car loan? Let's have a look.

Although many commercial banks say that their loan interest rates are based on the benchmark loan interest rate issued by the central bank, in fact, many banks will adjust the benchmark loan interest rate according to their own banking policies and conditions, and different banks have different regulations on car loan interest rates.

Central bank loan benchmark interest rate

Taking CCB and China Merchants Bank as examples, it is understood that the one-year car loan interest rate of CCB is 5.3 1%, and the interest rate for 3-5 years (including 5 years) is 5.4%; The one-year loan interest rate of China Merchants Bank is 5. 1%, and the interest rate for 3-5 years (including 5 years) is 5.5%.

Extended data:

The qualifications of different regions and borrowers will affect the loan interest rate. The above data are for reference only. Please consult the relevant bank for details.

For example, the loan interest rate stipulated in China Bank's personal automobile consumption loan: the general customer loan interest rate is subject to the benchmark interest rate, and the high-quality customer loan interest rate can be appropriately lowered on the basis of the benchmark interest rate with the approval of the provincial branch, with the downward fluctuation rate not exceeding 10%.

In addition to bank car loans, many people will also choose credit cards to buy cars in installments. Although there is no interest on credit card installment, there will be a handling fee. The handling fee is related to the number of installments.

There are 12, 24 and 36 car purchases by installments, and the installment fee rates are 0-3%, 4-7% and 10- 12% respectively. The longer the staging time, the more expenses will be generated.