How much is the down payment of 120,000 for a used car on the road. Specific

Hello, nowadays life needs, car loans are very common. The way to buy a car with a loan can be much more discounted, which is mainly reflected in the loan interest. The lower the interest, the less fees you pay and the more money you save.

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 conditions: The borrower has a stable occupation and the ability to repay the principal and interest of the loan, and has good credit; A third party who can provide recognizable assets as collateral or pledge, or a third party with sufficient solvency can act as a guarantor to repay the principal and interest of the loan and bear joint and several liability.

Loan amount: The maximum loan amount is generally not more than 80% of the purchase price of the car.

Loan term: The term of auto consumer loans is generally 1-3 years, and the longest is not more than 5 years.

Loan interest rate: Uniformly set by the People's Bank of China.

Loan repayment method: You can choose the one-time principal and interest repayment method and the installment repayment method (equal principal and interest, equal principal).

The above is the relevant knowledge about car loans, if you urgently need money to borrow money to buy a car, it is recommended that you use a big platform. For example, Du Xiaoman Finance's money is spending, with a high loan amount, low interest rate, and fast lending, which does not affect the car buying process. Click the link to test credits.

Up to 200,000.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Hello, the car butler team has you covered.

For second-hand car installments, the down payment is generally 30% = 10,000, plus the insurance license = about 40,000.

If you don't understand, please ask, satisfied, you are the best encouragement to our car butler team.

Down payment: 120,000 3 10=36,000 (yuan) The remaining 84,000 yuan. 1-year interest 84000 %5=4200 yuan, 1-month interest 4200 12=350 yuan, 5 years for a total of 60 months, each month 84000 60=1400 yuan.

The average monthly payment = principal + interest = 1400 350 = 1750 yuan, the price of the car is 120000. The down payment is 48,000, plus the full insurance (must be on the full insurance) valuation of 15,000, the additional tax on the car and the license fee of 10,000 yuan are enough. Total:

The actual down payment is about 73,000 yuan. 3-year supply and demand repayment: 12,000 minus 48,000 equals 72,000 yuan.

The interest can only be calculated by repaying more than 2,000 yuan per month (depending on your loan method). In short, no matter what kind of loan method, it is more than 2,000 yuan per month.

Generally, for a car of about 100,000 yuan, how much does it cost to prepare for the down payment if you take out a loan?

It is appropriate to buy a car with a low down payment and go to a personal account, with a down payment of about 10,000 yuan and a monthly payment of about 2,000.

If it is calculated according to the down payment of 30%, the down payment of 120,000 yuan will probably cost 40,000 yuan down payment, plus about 10,000 purchase tax, about 2,000 loan handling fees, and the one-year full insurance is more than 5,000 (some stores require you to buy the full insurance for as many years as you want to borrow, for example, if you mortgage for three years, you must buy three years of full insurance), and the license fee is hundreds.

So, if you only need to buy a full insurance for one year, then you need to spend almost 60,000 yuan (maybe one or two thousand less) to pick up the car.

It depends on how many percent of the down payment is, and now many online car buying platforms are one percent.

The down payment for the car is 20 50, the general bank requires 40 50, and some car dealers can find some financing companies to do 20, or even lower.

Generally paid off in 2 5 years, the monthly repayment depends on how much you borrow, you can use real estate as a guarantee to first know that the beneficiary of the installment payment for buying a car is a bank or financial institution, because now many banks have a relatively high threshold for loan to buy a car, and more financial companies, especially the financial companies with the same series of car manufacturers, began to handle convenient loan procedures for customers. (For example, Shanghai GM's finance company has a GMAC loan).

The second is the condition requirements for car buyers: generally those with normal salary income, preferably provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove your ability to repay the loan, you can do so.

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

More than 1,000 models for you to choose from, Dandan--- order a car-a-p-p is good. The main one percent 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. Support more than 300 cities and regions to pick up the car, fast and convenient.

Depending on the situation, the 4S store is a down payment of 3 percent, and the car booking platform is a down payment of 1 percent.

Suppose the landing price of a car package is 120,000 yuan, and the interest of the installment is 2% (2400 yuan), and you can use a variety of options to buy now:

20% down payment in 24 installments totaling 122400: down payment 24480, monthly payment 4080;

30% down payment in 24 installments totaling 122400: down payment 36720, monthly payment 3570;

50% down payment in 36 installments totaling 122400: down payment 61200, monthly payment 1700;

80% down payment in 12 installments totaling 122400: down payment 97920, monthly payment 2040.

Under normal circumstances, the down payment ranges from 20% to 80%, and consumers are free to choose according to their personal circumstances. The staging is divided into one year (12 periods), one and a half years (18 periods), two years (24 periods), and three years (36 periods). However, it depends on what down payment ratio and number of installments are available in the financial plan of the 4S store.

The minimum down payment for a car loan is 3 percent, so the down payment is 10,000 yuan, that is, there are still 10,000 yuan to be loaned. If you borrow 10,000 yuan, the loan term is 2 years, the loan interest rate is 8%, and the repayment method is equal principal and interest by default, then the monthly payment amount is RMB, and the total interest to be paid for 2 years is RMB.

At present, auto loans are mainly bank loans and auto consumer finance company loans, and the difference between the two is not very different in terms of loan interest rates.

Note that if you choose a bank loan to buy a car, whether it is a car of 100,000 yuan or 120,000 yuan, the minimum down payment is 20%, which means that the down payment of 120,000 yuan for a car is 24,000 yuan.

If you choose a car loan or dealer loan to buy a car, then you can achieve "zero down payment" and "zero interest rate", but many times you still want to take out a bank loan, and 20% of the money is borne by the manufacturer or dealer first, and then it will be earned back from consumers through other sales.

The down payment of 120,000 car loan 30 is 36,000

Equal principal and interest method: Loan principal: 84000, assumed annual interest rate:

Loan term: 3 years : The monthly repayment of principal and interest is:

The total repayment amount with principal and interest is: Yuan, total interest payable: Yuan.

The interest repayment for the first month is: ; The first month of principal repayment is: ; After that, the monthly interest repayment amount decreases and the principal repayment increases.

Interim interest rate adjustments are not taken into account).

You can go to the online platform to take a look.

Specifically, you can go to the online car purchase platform and ask the business staff to help calculate.

One percent down payment is 12,000, three percent is 36,000, and the monthly payment is almost two or three thousand yuan.

About 120,000 cars, the down payment is generally 30% of the price of the naked car, if you go on the road, the full insurance plus taxes should be more than 20,000 yuan, the specific process because there are different options for loan methods, you can consult the 4s of the purchased car.

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Hello! A down payment of 30% plus insurance and an additional handling fee or something is about enough.

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The down payment of the vehicle is generally 30%, and 30% of 120,000 yuan is 36,000 yuan; If the remaining loan is all the same, the term of the loan is 3 years, and the repayment method of equal principal and interest is used, and the monthly repayment amount is the same as the monthly repayment amount, and the loan interest rate here is the benchmark interest rate of the loan for 1 to 5 years stipulated by the central bank).

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.

Car loan channels. 1.Auto Finance Companies:

The biggest advantage is convenience and low barrier to entry, and companies are generally invested and created by automotive companies. Its "convenience" is not only reflected in the fact that you can apply directly through the 4S store, but also that it has no requirements for hard conditions such as household registration and real estate.

2.Credit card installment car purchase: The most significant advantage is the loan interest rate, which is half the lower than the traditional bank car loan interest rate. Common credit cards can be applied for, and the models are also cross-brand, with a wide range of choices. The premise is that a higher credit limit is required to enjoy it.

3.Bank car loans, banks are under the pressure of tightening credit scale, car loans and other consumer loan business has been greatly contracted, and some low-end car loans have been temporarily closed. The biggest advantage is that there is a wide range of choices, and car buyers can go directly to the bank to apply for personal car consumer loans after fancy the model.

However, the procedures for the qualification review of borrowers are very complicated, and it is generally necessary to provide real estate (such as real estate) as collateral, and some banks can use the car itself as collateral for high-end customers or high-end models, but compared with other car loan methods, the approval time period is very long.

In terms of loan interest rates, the interest rate of auto mortgage loans is generally about 10% higher than the benchmark interest rate of banks in the same period. Most car loans require a guarantee company or car guarantee insurance, and the car buyer also needs to bear a guarantee fee of up to 3%. All the fees combined, the comprehensive cost of a bank car loan is the highest among the three methods.

The down payment of 120,000 yuan is 30%, that is, about 40,000 yuan, and the monthly payment is two or three thousand.

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50% of the down payment of 120,000 yuan for the car will cost about 60,000 yuan.

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The down payment is 60,000, the loan is 60,000, the interest is about 10,000, three years, and the monthly payment is 1945.

Application conditions: A natural person with full capacity for civil conduct and between the ages of 18 and 60.

Have a stable income and strong repayment ability.

Have a local hukou and be able to provide proof of identity and residence.

Have proof of property or other financial resources.

After being optimistic about the vehicle to be purchased, fill in the application form for automobile consumer loan and credit status questionnaire, and submit it to the lending bank together with the relevant proof of personal situation, the vehicle's ** (opening fare), and the vehicle information parameters on the certificate (provided by the seller). It's better to write it in fifteen-ten, and they'll look it up.

The customer applies directly to the bank's outlets for a loan to buy a car, and after the guarantee procedures are implemented, the customer can choose a dealer to purchase the vehicle he is satisfied with.

Select the car to be purchased at the bank's authorized dealership, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealership. Choosing a loan to buy a car is the most important step in the process of buying a car with a loan.

Loan process:

1. Choose the mode of buying a car with a loan.

Mode 1: The customer directly applies for a loan to the bank's outlets to buy a car, and after the guarantee procedures are implemented, the customer can choose a dealer to purchase the vehicle he is satisfied with. Mode 2:

Select the car to be purchased at the bank's authorized dealership, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealership. Choosing a loan to buy a car is the most important step in the process of buying a car with a loan.

2. Make an application.

After being optimistic about the vehicle to be purchased, fill in the application form for automobile consumer loan and credit status questionnaire, and submit it to the lending bank together with the relevant proof of personal situation, the vehicle's ** (opening fare), and the vehicle information parameters on the certificate (provided by the seller). It's better to write it in fifteen-ten, and they'll look it up.