I think the cost of a car consists of three parts: purchase cost+use cost+opportunity cost. Of course, other unexpected expenses are not within our consideration. We only calculate the cost according to the normal purchase and use. Let's calculate the RMB that a car will spend in its lifetime from three aspects.

1. Car cost: We are all ordinary people. Ordinary people should buy an ordinary car. A 1.2 million ordinary car is not too much. If you buy a car, you have to get a license plate and pay the vehicle purchase tax. The final license plate 1 10,000 yuan, vehicle purchase tax 12× 10% = 65438+. In this way, the cost of buying a car of 6.5438+0.2 million yuan is 6.5438+0.33 million yuan.

Second, the vehicle use fee: various expenses will be incurred when the vehicle is running. First, the fuel cost is always between 1000 yuan a year. The insurance premium is 3000 yuan a year, the parking fee is 2000 yuan a year, and the car maintenance fee is 2000 yuan a year. In this way, the annual vehicle use fee is 6.5438+0.7 million yuan, which is only the cost if you obey the law, have no fines and have no crashes. If there are natural and man-made disasters, no one can count them. According to the national vehicle scrapping years 15 years, the lifetime service cost of a vehicle is:1.7×15 = 255,000 yuan.

Third, opportunity cost: Many people tend to ignore the opportunity cost of buying a car. In the process of buying and using a car, it will definitely take up your funds. Today is a market economy society, funds have costs, and the use of funds will also generate expenses. If you borrow money to buy a car according to American consumption habits, you have to pay interest on the loan. This interest is the cost of using funds. If we buy a car and pay the full amount in one lump sum, it will take up our funds. If the money used to buy a car is deposited in the bank to collect interest, the annual interest rate for more than five years is 5%. A car with a price of1.2000 yuan can be used for 15 years. If it is deposited in the bank for interest, the interest can be obtained:12×15× 5% = 90000 yuan. In addition, if vehicles are used, the annual vehicle use fee is 1.7 million yuan, the capital cost of vehicle use fee in the first year is 1.7×5% = 0.085 million yuan, and the capital cost of vehicle use fee in the second year is1.7× 2× 5% = 0.1. Add up the capital cost of 15 vehicle use fee as follows:

1.7× (1+2+3+4+5+6+7+8+9+10+12+13+65438) That is to say, if we put

Well, we calculated preliminarily that a private car will cost us13.3+25.5+19.2 = 580,000 silver.