With 200,000 in hand, should I buy a house with a down payment or a car in full?

If I really have 200,000 yuan in my hand, I should buy a house, I don't want to buy a car, and buying a car is a consumable.

It depends on your actual situation, if your family has a house and there is no shortage of houses to live in, and then you can still have a fixed income of more than 100,000 yuan per year, you can use the 200,000 yuan to buy a car. If you don't even have a house now, then there is no need to buy a car, after all, you have to have a place to live first, and the car is just a tool to improve the quality of life.

You can look back at the people who said 200,000 to buy a house or a car last year. How they are living now! People who spent 200,000 yuan to buy a house last year had a monthly payment of two or three thousand a month, and now they have a house to live in, and the value of the house has doubled or tripled!

And those who spend 200,000 yuan to buy a car, the car will definitely only be sold for six or seven discounts, and the monthly payment is not a lot! After seeing their situation, you will know whether you should buy a house or a car first!

Although you can choose to buy a car in full without having to bear the pressure of monthly payment, but the money is spent like snow in the sun, gradually melting, and choosing to buy a house, delaying the satisfaction at that time, although bearing a certain amount of monthly payment pressure, but can bring more returns and hope to yourself and your family after meeting the basic living needs. In contrast, it is better to buy a house.

If it were me, I would have chosen to buy a car, after all, I don't want to be financially stressed.

Whether it is buying a house or buying a car, it is also a bulk consumption, but from the perspective of capital use efficiency and investment, I personally think that buying a house is more meaningful than buying a car. The specific reasons are as follows: as we all know, buying a car is mainly to improve the convenience of travel and improve the quality of life, but buying a car is a pure consumer behavior, the car is a consumable product, from the day it opened the 4S shop, its value began to decline, the annual insurance premium, maintenance fee, fuel fee, toll and parking fee, etc., is a consumption of more than 10,000 yuan a year, ten years later basically into the scrap ranks.

It is better to buy a house, which is not only a consumption behavior, but also has investment attributes. In our country, as a large fixed asset, the house is an important cornerstone of the wealth of each family, and at the same time is endowed with a lot of social attributes, real estate determines the priority of individuals and families to enjoy urban high-quality education, medical care, public facilities, especially residential real estate not only has the function of maintaining value, but also has a lot of room for appreciation. Housing has long gone far beyond the scope of simple living needs, and it is one of the basic conditions for the advancement of the bottom society.

Buy a house, after all, the house price may be ** in the future. I won't even be able to afford a toilet by then.

It can be selected according to individual needs. You can buy a house first.

Buying a house needs to consider:

Objective. Before buying a house, consumers must consider why they want to buy a house, whether it is for their own use, to improve their housing conditions, or as an investment. If you are self-occupied, you can choose a community with convenient transportation and living facilities or a second-hand house; If you want to improve your housing conditions, you should choose a large apartment; And if it is an investment, it should also be combined with the current economic situation.

I would have chosen to buy a house and I have already chosen. The house is an investment and its own residential value. When I bought a new house in Kunshan in the middle of the year, I thought so

What am I doing with the cash I have now? Buy** is now in a recession Buy**No, buy** can't buy**, and finally decided to buy a house, in the short term, even if the state is strictly regulated, sell but I can live in it, now a young man has a house of his own, what an advantage. But in the long run, my house is a school district house, and it is self-evident that the subway house will appreciate in the future.

So choose to buy a house.

I can talk about some of my thoughts, if I have 200,000, I may choose to buy a house with a down payment, of course, 200,000 yuan is no longer enough for a down payment haha! Even if I try to make some money, I will make a down payment to buy a suite for myself, after all, the house is a fixed asset, and the house is value-added, buying a suite, under normal circumstances, will only make the 200,000 become more and more, more and more valuable, but if you buy a car in full, it can only solve the temporary transportation convenience, but the car is a consumable after all, and the car and the house ratio is obviously losing value year by year, while the other is more and more value-added, more and more valuable.

The down payment of about 200,000 yuan for a car is about 40,000 yuan to 60,000 yuan, and the monthly payment is paid for one year.

It is about more than 10,000 yuan, the monthly payment is about 6,000 if you take out a loan for two years, and the monthly payment is about 4,000 if you take a loan for three years.

In the case of a loan to buy a car, the down payment that the owner needs to pay is between 20% and 30% of the total price of the vehicle, and the down payment for a car of about 200,000 yuan is about 40,000 yuan to 60,000 yuan.

Further Information] Automobile consumer loan is a renminbi guaranteed loan issued by a bank to car buyers who purchase a car at its authorized dealership.

A new way to borrow. A loan to buy a car is a loan issued by a lender to a borrower who applies to purchase a car.

In fact, it is to borrow money from financial institutions to buy a car, but the financial institution requires the car buyer to pay a certain percentage of the down payment and provide proof of repayment ability, no bad credit history, and must meet the requirements of the financial institution to apply for a loan to buy a car.

In addition to purchasing a limited range of cars at a special dealer recognized by the bank, the car buyer who applies for an auto consumer loan must also meet the following conditions:

1) The car buyer must be at least 18 years old and have full civil capacity.

Citizens of China.

2) Car buyers must have a relatively stable occupation and a relatively stable economic income or have assets that are easy to realize, so as to repay the principal and interest of the loan on time. The assets that are easy to realise here generally refer to valuable** and gold and silver products.

3) During the loan application period, the car buyer deposits less than the down payment stipulated by the bank in the account of the bank savings counter.

4) Provide the bank with a guarantee recognized by the bank. If the personal account of the car buyer is not local, a joint and several liability guarantee should also be provided.

Banks do not accept mortgages placed by car buyers on the vehicles purchased with loans.

5) The car buyer is willing to accept other conditions that the bank deems necessary.

If the applicant is an enterprise or institution with legal personality, the following conditions shall be met:

1) Have the ability to repay bank loans.

capacity; 2) During the loan application period, the accounting department of the bank shall deposit no less than the down payment for the purchase of the car stipulated by the bank;

3) provide a recognized guarantee to the bank;

4) Willing to accept other necessary conditions put forward by the bank.

The special dealers referred to in the loan refer to the dealers at all levels according to the dealers' financial strength and market share on the basis of the recommendation of the automobile manufacturer.

and the credibility of the primary selection, and then report to the head office, after the head office confirmed, and the branch to sign the "auto consumer loan cooperation agreement" of the car dealers.

If we do it or don't do it, there will be people laughing, if we don't do it well and if we do it well, there will be people laughing, then we just do better, let's make people laugh!

The down payment of 200,000 yuan for a car is 30 percent, that is, about 70,000 or 80,000 yuan.

How much is the down payment and monthly payment of 200,000 yuan? The down payment of 200,000 yuan for the car can be 1 percent, that is, 20,000 yuan, and other expenses can be prepared for about 10,000 yuan.

There are many models of cars to pick up when the detective buys a car.

A new car that can be bought with a down payment of 10,000 yuan is:1. Chevrolet Corvoz, direct four-cylinder DVVT engine, comprehensive fuel consumption, official guide price of 79,900 yuan. 2. Peugeot 301, four-stroke, water-cooled inline four-cylinder, comprehensive fuel consumption, the official guide price is 84,700 yuan.

3. Roewe i6, turbocharged, 6-speed manual, comprehensive fuel consumption, the official guide price is 94,800 yuan.

4. BYD F3, naturally aspirated, manual gear, comprehensive fuel consumption, the official guide price is 43,900 yuan.

5. Volkswagen Jetta, naturally aspirated, manual gear, comprehensive fuel consumption, the official guide price is 79,900 yuan.

6. Trumpchi GS3, naturally aspirated, manual gear, comprehensive fuel consumption, the official guide price is 96,800 yuan.

If you buy about 10,000 models, you can buy about 100,000 models, and if you buy a car, you can pick up a new car on the first floor, and you can pick up a new car in more than 3,000 cities across the country.

With a down payment of 10,000 yuan, you can choose many models.

Detectives buy cars for thousands of dollars and pick up many new models.

You have to work tirelessly in everything you do, and you have to move forward step by step in a down-to-earth manner, and I hope you will have this spirit of perseverance in the new semester.

If the down payment is low, only more than 10,000 yuan, you can go to the detective to buy a car, and the reputation is good, you can go and see it.

The down payment of 200,000 yuan is generally more than 30,000 yuan, about 60,000 yuan. The monthly payment for 2 years is 6174, the monthly payment for 3 years is 4228, and the monthly payment for 4 years is 3262.

If the collateral or pledge approved by the bank is provided or the bank or insurance company provides joint and several liability guarantee, the borrower's income can reach at least 20% of the total value of the car, that is, 40,000 yuan can be used to buy a car. If the mortgage is a car or other real estate, the borrower needs to pay at least 30% of the total value of the car, which is a down payment of 60,000 yuan.

Further information: A car loan is a loan granted by a lender to a borrower who applies to purchase a car. Auto consumer loan is a new type of loan guaranteed by banks to car buyers who purchase cars at their authorized dealers. The interest rate of automobile consumer loan refers to the ratio of the loan amount and the principal amount issued by the bank to the consumer, that is, the borrower, for the purchase of a car for self-use (a family car or a commercial vehicle with less than 7 seats (inclusive) for non-profit purposes).

The higher the interest rate, the greater the amount of repayment the consumer will have.

The actual interest rate of the car loan shall be set by the bank according to the actual situation of the customer and with reference to the benchmark interest rate of the loan stipulated by the central bank. There are three main types of car loans: direct customer type, indirect customer type, and credit card car loan. The term of the car loan is generally 1-3 years, and the longest is not more than 5 years.

Loan object. The borrower must be a permanent resident of the place where the lending bank is located and have full capacity for civil conduct.

Loan term. The term of a consumer loan is generally 1-3 years, and the longest is not more than 5 years. Among them, the loan term (including extension) of second-hand car loans shall not exceed 3 years, and the loan term of dealer car loans shall not exceed 1 year.

Loan interest rate. Benchmark interest rate.

According to the regulations of the central bank, the benchmark interest rate for auto loans is implemented, but each financial institution can float within a certain range above and below the benchmark interest rate. The term of car loans of major banks is generally not more than 5 years, and the interest rate of car loans directly determines the cost of people's loans, which has become an important factor in determining whether people take out loans for consumption.

How to calculate the interest rate of the car loan.

The formula for calculating the monthly car loan payment is: a=p(1+i)[(1+i) n-1] n 2 i

A: Monthly contributions.

P: The total amount of contributions.

i: Monthly interest rate (12 per annum).

n: Total number of months of contribution (year 12).

Loan interest rate. The actual interest rate of the car loan shall be formulated by the bank according to the actual situation of the customer and with reference to the benchmark interest rate stipulated by the central bank, and the customers with excellent general conditions can enjoy the benchmark interest rate or reduce it by about 10%, while ordinary customers need to increase the benchmark interest rate by about 10%.

Application Materials. 1.Original ID card, household registration booklet or other valid residence certificate, and provide a copy thereof;

2.Proof of occupation and economic income, a list of personal accounts for the past 6 months;

3.A car purchase agreement, contract or letter of intent signed with the dealer;

4.Other documents required by the cooperating institution.

There are many models of cars to pick up when the detective buys a car.

Of course, the lower the better, in the early stage, you are not so stressed, you are like a detective buying a car, the minimum achievement can allow you to pick up the car, and the monthly payment is more than 3000, because they have a variety of plans, thirty-six, forty, 8, 60 issues are all optional.

According to the regulations, the minimum down payment for a new car is 30% of the naked car price, that is, a down payment of 20,000 yuan can buy a new car of about 60,000 yuan.

The first: Santana.

The first is Santana 2021 manual fashion edition, the preferential strength is different in various places, under normal circumstances, the price of the naked car is about 10,000, the down payment is 10,000, plus the purchase tax, compulsory traffic insurance, vehicle and vessel tax, commercial insurance financial service fees and other expenses are about 10,000, all of which can be driven home after landing 10,000. Although the technology of this model is relatively old, as the cheapest Volkswagen brand model, its overall stability and reliability are very good, and many places use Santana to run taxis.

Santana Click to stay up to date**.

The second: Geely Emgrand.

The second is Geely Emgrand, as the sales champion of domestic sedans, Geely Emgrand is still worth buying at this price, it is recommended to buy the 2021 up manual luxury version at this price, the price of the naked car is about 10,000, the minimum down payment is 10,000, and you can drive home about 10,000. There is nothing special about either the power or the interior, but fortunately, the configuration is richer than the joint venture car of the same level, and there are no obvious shortcomings, coupled with the advantages of the first, it seems that it is very cost-effective.

Emgrand click to learn the latest**.

The third: the new Baojun RC-5

The third is the new Baojun RC-5, as a newly listed model, both the appearance and the configuration make the car quite cost-effective, rare hatchback styling, it is recommended to buy Zhiyao elite, the price of the naked car is about 10,000, the down payment is about 10,000 yuan, the monthly payment is about 1300 yuan, and all down to about 30,000 yuan. Although it is a shell model of the old Baojun, it has been upgraded a lot in terms of appearance and configuration, and it is very fuel-efficient to drive, and the cost of maintaining the car is also very low.

Fourth: Haval M6

The fourth is Haval M6, the most cost-effective model in the Haval car series should be Haval M6, sixty or seventy thousand ** gives you the space of the van and the appearance of the SUV. The 2021 Plus manual elite intelligent connected car owner costs 10,000 yuan, and the same down payment is about 10,000 yuan, basically 10,000 yuan can be driven home. Of course, the disadvantage of the Haval M6 is that the fuel consumption is a little higher, with an average of about 12 fuels in urban areas and at high speeds, and the start and acceleration will still be a bit meaty.

In the naked car price of about 60,000 yuan, there are many models to choose from, such as Arrizo 5, Kaiyue, Yuena and other models, but taking into account the appearance and economy, the president believes that the above models are more cost-effective.