With a monthly income of 5,000 yuan, is it suitable to buy a car?

The monthly income is 5,000 yuan, if the income is not bad in the county, if it is in Beijing, Shanghai and Guangzhou, the monthly income of 5,000 yuan is really not very much, the key question is what area the subject lives in, whether there is a deposit at home, whether there is a house.

If you have a mortgage, a monthly income of 5,000 yuan, it is estimated that there is not much left to repay the mortgage, and it is estimated that it is not easy to maintain a car after calculating the monthly transportation expenses, living expenses, etc. If there is no mortgage pressure, if you have a wife and children, it is not easy to maintain a car with an estimated monthly income of 5,000 yuan, because the child's expenses are really greater than imagined.

It is easy to buy a car and it is difficult to maintain a car, no matter how expensive or cheap a car is, there must always be a cost, parking fees, refueling fees, tolls, violation fees, etc., and the minimum annual expenditure is more than 10,000 yuan, which is still not much to drive. If the subject is a young person, if he has a good family background, if he has a deposit, he can get a car in full, and if he does not live in a larger city, he may be able to raise a car. Don't think that raising a car every month is more than 1,000 yuan, in fact, if you have a car, go to a supermarket, buy vegetables, find friends for a party, go on an outing, and blow the wind at night.

There is a young friend around me, my parents funded the purchase of a car, the monthly repayment is 2,000 yuan, the monthly income is also five or six thousand, and the loan is left three or two thousand, today I go shopping with my girlfriend, tomorrow I take my girlfriend to go on an outing, and my parents subsidize 2,000 yuan in two months. In the end, this young friend said that he didn't feel anything if he didn't have a car, and he wanted to drive when he had a car, and the money in the EMU salary card would be reduced, and maintaining a car was really not as simple as he imagined.

However, if you buy a car in full, if you live in a city that is not particularly large, it is not particularly difficult to maintain a car with a monthly income of 5,000 yuan, and there are also people who buy a car in their hometown, parking does not cost money, and there are few violations when driving steadily, which is basically the money for fuel and maintenance, and the monthly car maintenance is more than 1,000 yuan, and life is also very good.

Under normal circumstances, the cost of car maintenance includes annual insurance + parking fee + fuel fee + toll fee + maintenance + repair + violation + vehicle and vessel usage fee + car wash. These costs are different from region to region, the minimum annual cost of a car is more than 10,000, according to these costs and then carefully measured, if you have to need a car to travel, if you do not live in a particularly large city, buy a car is not unaffordable, in short, you need to consider whether you need a loan to buy a car, because the monthly income of 5,000 yuan to repay the loan of about 2,000, plus the monthly funds for the car are really a little tight, I hope the subject will think carefully before making a decision.

This article is the original work of the car observer, and if there is plagiarism, legal responsibility will be pursued in accordance with the law.

Operator: Ling Xiaofeng).

Should a person with a salary of only 5,000 buy a car?

The monthly salary is only about 5,000, and you can buy a good car. It is not recommended to buy a used car. There are certain prerequisites for this question, and there are many things to consider.

For example, whether your financial conditions can support daily expenses, such as monthly mortgage, gas bills, insurance, maintenance, etc., whether you buy a car for daily commuting or to pull money, and so on. In fact, the barrier to entry for buying a car is low. If there is a real demand for a car, a monthly income of 5000 can buy a car.

You may not be able to afford a luxury car, but you can afford an affordable model. After you actually buy a car, you will find that life with a car is completely different from life without a car.

You don't lose your quality of life just because you buy a car. On the contrary, having a car will make you work harder. We often say that even if you don't do anything, you can't save that much money in a year.

When you make an effort to buy big-ticket items, you do have a solid asset that you haven't saved any money over the course of a year. If you are not married, if you have a child, it is very inconvenient to have a car, if you have an emergency for the elderly in your family, these are all reasons to buy a car. First, figure out what the attraction is, and then decide whether to buy a car or not.

The car is a tool, not a luxury, nor a tool to enhance status. For example, many Huawei employees who earn millions a year do not have driver's licenses and do not buy cars. How to buy a car and the consumption after buying a car, for the working class, reiterating that the car is a tool, not a status symbol, it is recommended to do what you can, insurance four or five thousand, fuel costs are roughly multiplied by mileage, and maintenance is at one thousand two thousand.

This is a rough estimate. To sum up, you can decide whether to buy a car or not based on the purpose of the car. If you don't need to find a partner, you don't need to start a family, and there is no need to buy a car if you can get a motorcycle, and it will eventually become a drag.

Nowadays, most of the cars are bought to follow the trend and have face for style. In fact, more than 50% of families buy cars for little use, just to go out on holidays. When I bought the car, it was about a discount, which was not the same as the house.

Not only does the car not retain its value, but it is also a money-burning job, so you must think of this when buying a car. Nowadays, many people buy a car and it is not very useful, it is a consumer product, and if they find it difficult to accept, they will consider selling it. With a monthly income of 5000, I personally recommend that you consider a second-hand car, which is economical and cost-effective, but you must spend some money to hire a second-hand car inspector, and you must not save money in this regard.

A little advice. Hope is the answer you need.