How much is the monthly repayment of the car loan of 80,000 for three years, and how much is the int

The monthly repayment is;

The monthly repayment is related to the execution interest rate and repayment method, and is based on the current general annual interest rate of automobile consumer loans.

About 10%, the monthly interest rate is 10% 12, loan 80,000, repay according to equal principal and interest.

The monthly repayment amount is the same) method, calculated over 3 years (36 months):

Monthly repayment = 80,000 * 10% 12 * (1+10% 12) 36 ((1+10% 12) 36-1)=

Total Interest =;

Extended information: Nowadays, the maximum term of applying for a car loan is not more than 3 years, and the car loan interest = loan amount Time interest rate. In general, the interest rate on a car loan is between 5% and 10%.

Of course, if the user has good credit qualifications, the bank will reduce the loan interest rate at its discretion.

If there is a risk of overdue, the interest rate will be higher than that of the loan, which is subject to the actual situation.

The car loan interest rate refers to the interest rate of the loan that people use to borrow money to buy a car. It is the lender according to the statutory lending rate and the People's Bank of China.

The prescribed scope of floating conspiracy is the interest rate of a specific car loan as agreed with the borrower and set out in the loan contract.

Related to the implementation interest rate and repayment method, according to the current general annual interest rate of about 10% and the monthly interest rate of 10% 12, the loan of 80,000 yuan will be calculated according to the method of equal principal and interest repayment (the same monthly repayment amount) for 3 years (36 months).

Monthly repayment = 80,000 * 10% 12 * (1+10% 12) 36 ((1+10% 12) 36-1)=

Total Interest = Description: 36 to the power of 36.

Under normal circumstances, the monthly payment is around 3,000.

Large-scale car purchases** detectives buy cars with low down payment and many models.

Based on the central bank's benchmark interest rate, the interest rate for loans is 6% for one to three years, and if there is an insurance situation in one year, the premium will rise differently.

The interest of the car loan = the loan amount * the loan interest rate * the loan time. Therefore, the interest on a car loan of 80,000 yuan in the central bank for 3 years is: 80,000 * 6% * 3 = 14,400 yuan.

Therefore, a car loan of 80,000 yuan and an interest of 20,000 yuan for 3 years is relatively much.

Extended Materials

1. What are the conditions for taking out a loan to buy a car?

1. Have a valid identity certificate and have full capacity for civil conduct;

2. Able to provide proof of fixed and detailed address;

3. Have a stable occupation and the ability to repay the principal and interest of the loan on time;

4. Good personal social credit;

5. Hold a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the cooperative institution.

2. What is the process of taking out a loan to buy a car?

1. Introduce customers to choose a car at a special dealer of the bank and sign a car purchase agreement or contract;

2. The borrower applies for a personal car mortgage loan from the lending bank;

3. Sign the contract after investigation and approval;

4. Handle car notarization, mortgage and other procedures;

5. The lender (bank) handles the loan;

6. After the loan is repaid, the lender (bank) cancels the pledge certificate and returns it to the customer.

3. What is included in the information for taking out a loan to buy a car?

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

2. Proof of occupation and economic income;

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

4. Other documents and materials required by the cooperative institution.

4. Which is the most cost-effective way to buy a car with a loan?

1. Credit card loan to buy a car.

The advantages of a credit card loan to buy a car are that it is fast, simple, and has a low threshold. Credit card loan procedures are relatively simple, and the review is much lower than that of banks. Many credit card products have their interest-free period, and car buyers will not have to pay interest if they pay the monthly bill amount in full and on time.

However, it should be reminded at this time that the interest-free period and the handling fee are two different charges. When applying for installment, the bank does not charge interest, but it will charge a certain handling fee. The handling fee varies depending on the number of instalments of the bill, and the interest rate and charging method vary from bank to bank.

2. Bank loan to buy a car.

The down payment of a bank loan can be as low as 20%, so it is called the choice of most prospective car owners who take out a loan to buy a car. In addition to this, banks can apply for loans with large amounts, low interest rates, and long repayment periods. The most important point is that banks can apply for car loans without restrictions on models and car dealers, which greatly increases the choice of car buyers.

There are many benefits, but it is not so easy to approve it. Not to mention that it takes a lot of materials to prepare, and the worst thing is that after you spend most of the day going through the process, the bank tells you: "I'm sorry, you don't meet the regulations".

This depends on the total value of the car you buy and how much your down payment is.

Large-scale car purchases** detectives buy car models with one click to place an order.

The three-year monthly payment of 80,000 car loan is yuan, calculated according to the central bank's benchmark loan interest rate, the interest rate of the loan for three years is, loan interest = loan principal * loan period * loan interest rate, loan interest is 11400, monthly interest is yuan, and monthly principal is yuan.

Under normal circumstances, the monthly payment is about 3,000.

Large-scale car purchases** detectives buy cars with low down payment and many models.

Related to the implementation interest rate, according to the current general annual interest rate of about 10% and the monthly interest rate of 10%12 for the current auto consumer loan, the loan is 80,000 yuan, and the repayment is calculated according to the equal principal and interest (the same monthly repayment amount) for 3 years (36 months): monthly repayment = 80,000 * 10%12. Interest is dollars.

Interest is the fee for the use of money for a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. This includes interest on deposits, loans, and interest on various bonds. Under capitalism, the source of interest is the surplus value created by wage workers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Extended information: 1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.

Answer: Hello, the three-year interest rate of the bank car loan is between 9% and 15%, and the car loan belongs to installments, and the three-year interest rate varies from bank to bank, including different models, and it is normal to be between 9% and 15%.

Question: I have a loan of about 30,000, but the thirty-six installments are more than 34,000, what is the answer to this 4,000 Hello, this more than 4,000 is the interest, 4,000 30,000=, the interest rate for three years, is exactly within this range.

You include the principal and interest every month.

Question: How much is this interest in 30,000 years.

Ask a question, you look at this diagram. Give me the math, how much money did this financial company overcharge me in the end Hello, the loan interest is 4189, the technical service fee is 4701, and the extra money is these two dollars. Insurance is meant to be bought.

Question: Is it more than 8,000 in three years, is this the most expensive loan?

1-3 years (including 3 years) The annual interest rate of the loan is calculated according to the benchmark interest rate, and the repayment method of equal principal and interest is adopted under the condition that the interest rate remains unchanged, the total interest is RMB, and the monthly repayment amount is RMB; The equal principal amount method is adopted, and the total interest is RMB. For example: The benchmark interest rate is Total loan amount 600, yuan Number of repayment months 180 Monthly repayment 4, yuan Total interest paid 226, yuan Total principal and interest 826, Yuan Extended information:

1. The "three-character principle" refers to safety, liquidity, and efficiency, which are the fundamental principles of commercial banks' loan operations. Article 4 of the Commercial Bank Law of the People's Republic of China stipulates that: "Commercial banks shall operate independently, bear their own risks, assume their own profits and losses, and exercise self-restraint based on the operating principles of safety, liquidity and efficiency.

1. Loan security is the primary issue faced by commercial banks; 2. Liquidity refers to the ability to repay the loan within the predetermined period, or quickly realize the loan without loss, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis for the continuous operation of the bank. For example, if a long-term loan is issued at a higher interest rate than a short-term loan, the efficiency is good, but the loan term will increase the risk, reduce the security, and weaken the liquidity. Therefore, there must be harmony between the "three sexes" so that there will be no problems with loans.

2. Down payment ratio: Under normal circumstances, the down payment for first-hand houses is 30%, and the down payment for second-hand houses is 30%. The minimum down payment for the second home is 6%, and the loan interest rate is equivalent to the benchmark interest rate.

Interest payment: RMB (loan of 500,000 yuan, repayment for 30 years, loan interest rate calculation). Rates:

Insurance premium: The customer voluntarily chooses to apply for insurance from the insurance company, and the bank does not charge the insurance premium; Attorney fee: The bank does not charge the customer's attorney fee, and the guarantee fee depends on the type of business handled.

Preferential interest rate: The minimum loan interest rate can be implemented at multiple of the RMB benchmark interest rate of the same maturity stipulated by the bank. Loan Term:

The maximum term for a personal first-hand house is 30 years, and the term of a personal second-hand housing loan is not more than 20 years. Loan disbursement time: Under normal circumstances, the loan can be disbursed within three to five working days, depending on the applicant's situation.

The principal is 80,000 36 months = 10,000, this is the monthly principal repayment, and the loan interest has to be added, the general personal loan interest is about 6, then the interest for a year is 8 * 6% = 12 months is 10,000, then your monthly repayment is 10,000 yuan, I hope it can help you.

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 auto loans of major banks is generally not more than 5 years, and the benchmark interest rate of loans within 5 years (including 5 years) is:

1. Short-term loans.

Within 6 months (including 6 months):; Six months to one year (including one year):

2. Medium and long-term loans.

1 to 3 years (including 3 years):; Three to five years (including five years):

According to the above interest rate, the interest is 8w*3*yuan.

The car loan is 80,000 yuan, and the interest for three years is more than 20,000 yuan, which is not high. The annual interest rate of this interest car loan of 80,000 yuan for three years is about that, and if it is calculated according to the bank loan interest rate, if the repayment method of equal principal and interest is adopted, then the three-year interest is yuan. If the repayment is made with equal principal amounts, the interest will be RMB.

However, some banks need to combine the comprehensive factors such as the type of business applied by the lender and the credit status to set the price, and the loan interest rate can only be determined after the review is passed.

Further information: 1. Calculation formula for equal principal repayment: (more than 12 months) Interest in the nth installment = loan principal Monthly interest rate Repayment amount in the nth installment = average monthly principal repayment interest in the nth installment If the loan term is less than 12 months (including 12 months), the borrower shall choose a one-time repayment of principal and interest, which will be followed by the repayment of the principal and interest, that is, the principal and interest of the loan will be fully repaid to the lender at one time on the date of expiration of the loan term, and the interest shall be calculated according to the number of days of borrowing and the corresponding annual interest rate. Deposit and Loan Interest Rate Conversion and Interest Calculation Formula (1) The interest rate conversion formula for RMB business is as follows:

Daily interest rate (?.))=Annual interest rate (%)360 monthly interest rate ( )=Annual interest rate (%)12 (2) Banks can use the accumulation method and the case-by-case interest method to calculate interest. (3) The accumulation interest method is calculated based on the actual number of days of the daily accumulated account balance, and the accumulated accumulation multiplied by the daily interest rate.

The formula for calculating interest is: interest = cumulative interest-bearing accumulation daily interest rate, where cumulative interest-bearing accumulation = total daily balance. (4) The interest-bearing method calculates interest on a case-by-case basis according to the predetermined interest-bearing formula.

If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal year (month) number of years (months) interest rate.

2. If the interest-bearing period has a whole year (month) and a fractional number of days, the interest-bearing formula is: interest = principal year (month) number of years (months) interest rate principal fractional days daily interest rate. At the same time, the bank can choose to convert the interest-bearing period into the actual number of days to calculate the interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the month, and the interest calculation formula is:

Interest = Principal Actual Days Daily Interest Rate. Although there are many benefits to credit cards, it is still necessary to use them reasonably, plan their expenses, and if you can, go to some financial education communities to learn how to manage money, and you can also improve your life through reasonable allocation, and it will not be too hard to repay credit card fees. In addition, when using a credit card, you must pay attention to your ability to afford, repay the loan in a timely manner, pay attention to your credit, and never become a card slave.