Tell me how to calculate a loan to buy a car.

Let's talk about how to calculate the loan to buy a car.

The credit department of 4s stores has special calculation tools, and general sales consultants will also calculate them.

For example, the price of a polo car is 10w down payment of 30%=3w loan and 7w loan for 36 months (assuming the repayment coefficient of 10,000 yuan for three years is a).

Then the monthly repayment x=a7.

Total interest for three years y=x36-7

The first occurrence fee is 30% of the fare surcharge (all-insurance licensing fee and decoration fee).

After picking up the car, you can deposit the money into your personal settlement account > X every month, just like credit card repayment.

Generally, it can be paid off in advance after 6- 18 months, and the interest will not happen again after paying off.

Second, what is the calculation method of car loan?

There are two ways to buy a car loan: one is formula calculation and the other is car loan calculator calculation. There are two common repayment methods for auto loans: equal principal and interest repayment and equal principal repayment. Formula calculation: the formula for calculating the monthly repayment amount of the equal principal and interest repayment method: monthly repayment amount = [loan principal× monthly interest rate× (1interest rate )× repayment months ]→[( 1 interest rate) repayment months-1] the formula for calculating the monthly repayment amount of the average fund repayment method: monthly repayment amount = (loan principal) Operation steps of the auto loan calculator: Step 1: First, choose whether the repayment method is average principal or equal principal and interest, and fill in the term of the auto loan; Step 2: Choose whether to display the repayment details, and click "Calculate" to obtain detailed information such as monthly repayment amount, total loan interest, total repayment amount in each installment, etc.

Third, how to calculate the formula for buying a car?

All expenses: car loan, purchase tax, license fee, travel tax and compulsory insurance.

1, purchase tax

Purchase price /( 1 17%)× purchase tax rate (10%).

2. License fee

Usually, the one-stop service fee provided by merchants is around 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification delivery 150 yuan, mobile card 30 yuan, environmental protection card 3 yuan, extension fee 40 yuan, driving license photo 20 yuan, and pallet 130 yuan.

3. Vehicle and vessel use tax varies from province to province, taking Beijing as an example (unit/year).

Fourth, how to calculate the car loan?

Car loan calculation down payment car price × down payment ratio (30%-80%). Assuming that the down payment ratio of the vehicle structure to be purchased by the user is 30% of the vehicle price, it can be calculated that the borrower is 100000×30%=30000 yuan.