How much does a down payment cost to buy a Cadillac in the form of a financial lease?

Generally speaking, the down payment for a loan to buy a car is 30%. If you encounter an event, some models can have zero down payment or two percent down payment.

At present, the traditional mortgage car purchase business of banks is shrinking, and it has been replaced by credit card installment payments and auto finance company loans. Which of these three models of financing is more cost-effective for consumers? In fact, it is difficult to determine which car and which loan method is suitable for customers, customers need to choose their own models and then discuss with the 4S store, because the models agreed between the car dealer and the bank are not necessarily all models, and the hot-selling models may not have loans, and some models may be 4S stores for customers to discount interest.

In addition, loans to buy a car or charge a variety of financial service fees, notary fees, renewal deposits and other fees, consumers should not be in a hurry to give money, but to ask more, more consultation, the contract must be read clearly, ask clearly, ask a few more why, each bill is kept.

Buying a car can be on the eggs of a personal household Eggs to buy a car are good, and the car is in your own name.

If you buy a car online, you can go to a personal account, and the car is in your own name to buy a car.

When buying a car, you can choose to go to the household, choose to buy a car, with a down payment and reliable.

For a car of 100,000 yuan, with a down payment of about 10,000 yuan, you can mention the new car and drive it home. Not bad.

Are you talking about the Cadillac ATS-L? There are two kinds of 25t, one is comfortable and one is fashionable, which one do you buy? And how much is the ** you have negotiated?

If I help you calculate the 25t comfortable type according to our Nanjing **, the actual transaction price is 10,000, then the down payment is 30%, which is 77,640 yuan, plus vehicle purchase tax: 22,120 yuan, vehicle and vessel use tax and compulsory traffic insurance 1,430 yuan, the compensation amount of 500,000 yuan for third-party liability insurance is 1,252 yuan, vehicle loss insurance: 3,275 yuan, 1,268 yuan for car theft insurance (the insurance for loan purchase of a car must be bought every year), excluding the deductible special insurance of 905 yuan.

The above is the type of insurance that must be bought on the license plate of a new car, plus the down payment, a total of 107,890 yuan, and the loan handling fee, which is different, you have to add it according to the local situation, generally around 1500 to 3000. With so much money ready, you can drive the car home. Starting from the second year, in addition to the whole car theft insurance, other insurance can be purchased according to their own needs.

Of course, there are some insurances that I didn't write, you can also refer to buy: glass broken separately insurance, spontaneous combustion loss insurance, no fault liability insurance, vehicle personnel liability insurance, body scratch insurance. If you buy a 25t fashion type, you can prepare a little more money, and the difference is not very big.

If you go to the 4S store, they will help you calculate it very clearly.

It is possible to buy a car with a down payment online, and you must choose to go to a personal account.

Eggs--- eggs are good to buy a car. , the main down payment, on the individual account, good.

In general, the down payment of 1% when buying a new car online is 1%, that is, the low down payment is 10%, and the down payment method is different depending on the model.

Hello, it is recommended that you buy a car in the circle to see that the down payment is very low, and there are many models that you can choose from on the individual household, and the car is fast and reliable.

Hello, it is recommended that you go to Qiuqiu to order a car to see that there are many models in it, and the upper part is a personal account, and the down payment is also low, which is very good.

Just one thing to emphasize:

The treatment of financial lease fixed assets is basically the same as that of purchased fixed assets, except for how to pay the payment.

Therefore, it is necessary to calculate the future payment when the financial lease is paid, and all the payment to be paid is calculated clearly as the original value.

Imagine for yourself, the car becomes operational, the scrapping of the operating vehicle is 8 years, and the desire to drive for a lifetime is shattered.

The wool is out of the sheep, if you want to buy a car, the full installment is your best choice, don't think too much!

It's just a disguised loan method, where all expenses such as purchase tax, insurance, and license plate are paid in installments as a total price, and the vehicle is transferred to you after the payment is completed.

The minimum mortgage down payment of the bank is 30%, which is of a consumer nature and cannot be lowered by the CBRC. However, auto finance leasing can reasonably avoid the review requirements in the name of leasing.

For example, buy a 20w car with a 30% mortgage, plus a down payment of 92,000 for purchase, a monthly payment of 6,300, and a total of about 24,500 for two years.

If you lease, the down payment is 20% of the deposit 4w + the first month installment of 10,000 = 50,000 in advance, and the monthly payment is about 10,000, a total of about 25,000 for two years.

The interest rate will be higher compared with the two, but the early stage solves the problem of buying a car with less capital and a low threshold, and the higher the car price, the more obvious the advantages of financial leasing to buy a car.

Debit: "Fixed Assets - Financing Leased Fixed Assets" account; Credited to the "Long-term payables" account at the minimum lease payment;

Credited to accounts such as "bank deposits" for initial direct expenses incurred; The difference is debited to the "Unrecognized Financing Charge" account.

When the lease is paid in each instalment, the "long-term payable" account is debited and the "bank deposit" account is credited.

If the cost of performance is included in the rent paid, the accounts such as "Manufacturing Expenses" and "Administrative Expenses" are debited according to the cost of performance.

When the effective interest rate method is used to allocate the unrecognized financing expenses in each period, the amount of unrecognized financing expenses that should be apportioned in the current period shall be misrecorded in the "finance expense" account and credited to the "unrecognized financing expense" account.

Accounting treatment of fixed assets under financial lease.

1. On the commencement date of the lease term, the enterprise shall debit the account of "fixed assets - financial lease fixed assets" account of the account of "fixed assets - financial lease fixed assets", whichever is lower, the lower of the fair value (including VAT) and the present value of the minimum lease payment on the lease commencement date, plus the initial direct expenses incurred in the process of lease negotiation and signing the lease contract that can be directly attributable to the lease project, minus the deductible value-added value; Credited to the "Long-term payables" account at the minimum lease payment; At the initial direct cost incurred, credited:

bank deposits" and other accounts; The difference is debited to the "Unrecognized Financing Charge" account.

2. When paying the lease fee in each period, the "long-term payable" account is debited and the "bank deposit" account is credited. If the cost of performance is included in the rent paid, the accounts such as "Manufacturing Expenses" and "Administrative Expenses" are debited according to the cost of performance.

3. When the effective interest rate method is used to allocate the unrecognized financing expenses in each period, the amount of unrecognized financing expenses that should be apportioned in the current period shall be misrecorded: the "financial expenses" account and the "unrecognized financing expenses" account shall be credited.

4. The depreciation of fixed assets leased by enterprises should be accrued, and the depreciation policy should be consistent with the depreciation policy of its own fixed assets. If it can be reasonably determined that the enterprise will acquire the ownership of the asset at the expiration of the lease period, it can be considered that the enterprise has the full service life of the asset, so the service life of the asset should be taken as the depreciation period, and if it is not reasonable to determine whether the enterprise can obtain the ownership of the leased fixed asset after the expiration of the lease period, the depreciation period should be taken as the shorter of the lease period and the life of the leased asset. When depreciation is withdrawn, it is debited:

Manufacturing Expenses account, credited: Accumulated Depreciation account.

In fact, there are two concepts here, one is the accounting regulations, and the other is the tax law regulations.

According to the accounting regulations, it is required to recognize the value of the fixed assets under financial lease according to the discounted amount; However, according to the provisions of the Enterprise Income Tax Law, the lease fee of the fixed assets leased in the form of financial lease constitutes the value of the leased assets, and the depreciation is calculated and deducted together with the value of the leased fixed assets, and the tax law does not require discount.

Therefore, in practice, you should finally consult the local supervisor for this issue, because when the actual collection is made, the confirmation of fixed assets needs to provide real and valid invoices before they can be recorded for depreciation; If you are a financial lease, you must not be able to obtain an invoice at one time, but you must depreciate it together with the full lease fee, which needs to be confirmed by the tax bureau first, and you can say that the tax bureau confirms it.

Generally speaking, it is best to follow the provisions of the tax law, that is, not to discount the account, and the province will have to make tax adjustments every year.

Specific questions like this should actually be asked by your company's seniors, and there is no point in asking here, not every company deals with it the same.

According to the standard method of treating fixed assets leased by financial lease, it is necessary to calculate the present value x of future payments of fixed assets according to the effective interest rate y

Entries: Debit: Fixed Assets - Financing Leased Fixed Assets x+35 + Unrecognized Financing Expenses 70-X

Tax Payable - VAT Payable (Input Tax)3

Credit: Bank deposits.

Long-term payables 70

In the following periods, depreciation and borrowing shall be calculated according to the original value of fixed assets under financial lease x + 35 + management expenses.

Credit: Accumulated depreciation.

Theoretically, unrecognized financing expenses should be amortized at amortized cost and effective interest rate, but since the payment period is only 2 years, I think it can be handled simply, basically amortized equally, and the last 2 installments are less amortized, the first 22 installments.

Debit: Long-term payables 3

Credit: Bank Deposit 3

Borrow: Finance Expenses (70-x) (3*22+2*2)*3Credit: Unrecognized Financing Expenses (70-x) (3*22+2*2)*3Post-2 Loans: Long-term Payables 2

Credit: Bank Deposit 2

Loan: Finance Expense (70-x) (3*22+2*2)*2 Credit: Unrecognized Financing Expense (70-x) (3*22+2*2)*2

Financial leasing, also known as equipment leasing or modern leasing, refers to a lease that substantially transfers all or most of the risks and rewards associated with the ownership of an asset. The ownership of an asset can eventually be transferred or not. Units that have been approved by the People's Bank of China to operate financial leasing business and foreign-invested enterprises and foreign enterprises that have been approved by the competent department for foreign economic cooperation to operate financial leasing business carry out financial leasing business.

Its specific content refers to the lessor's contribution to the purchase of the leased object from the supplier and lease it to the lessee for use according to the specific requirements of the lessee for the leased object and the choice of the supplier, and the lessee pays the rent to the lessor in installments, and the ownership of the leased object belongs to the lessor during the lease period, and the lessee has the right to use the leased object. After the expiration of the lease term, the rent is paid and the lessee performs all its obligations in accordance with the provisions of the financial lease contract, if there is no agreement on the ownership of the leased property or the agreement is unclear, it may be supplemented by agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant terms of the contract or transaction customs, but if it is still uncertain, the ownership of the leased property shall be owned by the lessor. Financial leasing is a new type of financial industry integrating financing and financing, technology and technology upgrading.

Due to the characteristics of the combination of financing and financing, the leasing company can handle the leased property when there is a problem, so the requirements for corporate credit and guarantee are not high when handling financing, so it is very suitable for small and medium-sized enterprise financing. In addition, financial leasing is off-balance sheet financing, which is not reflected in the liabilities of the enterprise's financial statements, and does not affect the credit status of the enterprise. This is very beneficial for SMEs that need multi-channel financing.

An essential difference between a financial lease and a traditional lease is that the rent is calculated based on the time when the lessee leases the object, while the financial lease calculates the rent when the lessee occupies the financing cost. It is a kind of financing method with strong adaptability to the development of market economy to a certain stage, it is a new type of transaction method produced in the United States in the 50s of the 20th century, because it adapts to the requirements of modern economic development, so it has developed rapidly in the world in the 60s and 70s of the 20th century, and has become one of the main financing means for enterprises to update equipment, known as the "sunrise industry".

After the introduction of this business mode in the early 80s of the 20th century, China has also developed rapidly for more than 20 years, but compared with developed countries, the advantages of leasing are far from being brought into play, and the market potential is great. Financial leasing, also known as financial leasing or financial leasing, refers to the lessor's purchase of the subject matter of the lease from the supplier according to the lessee's choice of the supplier and the subject matter of the lease, and then lease it to the lessee for use. Please refer to the details for details.

Look at your ability to reduce the cost! Cost reduction and no cost reduction! The amount of difference is huge!

Therefore it is inconvenient to say! If you need it, you can contact me 247446678 I will talk to you slowly to reduce the cost ! The relative amount is small, and the amount of charges is huge!

IRR up to 20 upstairs said! It is not to reduce the cost p=400*(10*365 360 100)*3 This is the rent that does not reduce the cost and reduces the cost! The interest calculation is not 3 years, but the annual reduction of the principal to calculate the interest Of course, there are also the reduction of the principal on the side of the mountain on time It depends on the financial leasing company you choose!