How much down payment are you willing to make to buy a house or a car?

The down payment of 300,000 is not enough for the car.

When I bought a car and bought a house and paid a down payment, I think it would be about the same to pay about 200,000 yuan, although the car and house are quite expensive, but 200,000 yuan is not a special young master for a person, it is a lot of money, and it can't be more than 200,000.

I am willing to make a down payment of 100,000 yuan to buy a house, and use the provident fund bag to pay it back slowly, and the pressure is not great, and the car is bought in full.

To buy a house, I can find you the most suitable one**.

I bought a house with a down payment of 10w, but I couldn't afford a car, and now I ride a ghost fire with a canopy.

Of course, I am willing to spend all my money to buy a house and a car, so that I will have a higher sense of quality of life, which is a basic necessity for the house, and the car may be more convenient for travel and work, so I am willing to spend a lot of money to pay this down payment.

I am willing to pay 200,000 yuan to buy a house and a car, because my current economic strength only allows me to pay 200,000 yuan, which is too much for me to have.

I think I should be willing to pay about 150,000 yuan for the down payment when buying a car and a house, because the current garage is relatively not so cheap, and 150,000 yuan is also the limit of what I can afford.

It depends on my own salary level and my own savings, and I am willing to take out almost half of my savings to pay this down payment.

When buying a car or a house, there will always be a down payment, and if these down payments are around 200,000, I will still be willing to pay, after all, the price of a house or a car is not so cheap.

It is no problem to buy a car with a down payment of 6-80,000 yuan for 10 tens of thousands. The monthly payment is between 2,500-3,500 yuan, which is relatively small and bearable for most wage earners.

If it were me, I would choose to use most of my savings for a down payment to buy a car or a house, because in this way, the financial pressure will be much less in the future.

Buying a car is usually 30% down payment. The down payment on a car is calculated as a percentage of the price of the naked car, for example, a car of 100,000 yuan (the price of the naked car) is a down payment.

30% is 30,000, and a down payment of 40% is 40,000.

Now the down payment ratio when buying a car is generally 30%, and consumers can also choose a lower down payment of 20%, or higher%; These can be freely chosen based on the cash on hand.

1. Bank loans: the down payment for cars is generally 30% to 50%; 2. Auto finance company loans: the down payment for cars is generally 20%.

If you take out a loan to buy a car, you generally don't need to mortgage other things, and the collateral is the vehicle purchased by the user. There is a limit to the loan term, depending on the qualifications of the lender, the loan term will vary, generally 3 years, and the longest is not more than 5 years.

It should be noted that the "treatment" enjoyed by different down payment ratios is different: the higher the down payment ratio, the fewer conditions that need to be reviewed, for example, a 30% down payment requires the car buyer to provide a valid identity certificate, a marriage certificate for marriage, a real estate certificate for the purchase of a house, and most importantly, a bank statement (1 to 2 years of flow) to prove that you have a stable and legal income**.

The relevant matters of the car loan policy are hereby notified as follows:

1. The maximum disbursement ratio of loans for self-use traditional power vehicles is 80%, and the maximum disbursement ratio of loans for commercial traditional power vehicles is 70%; The maximum disbursement ratio of loans for self-use new energy vehicles is 85%, and the maximum disbursement ratio of loans for commercial new energy vehicles is 75%; The maximum disbursement rate for used car loans is 70%.

Among them, for the scope of models that implement the new energy vehicle loan policy, financial institutions can implement it on the basis of the "Measures for the Administration of Automobile Loans", according to the principles of voluntariness, prudence and risk control, and with reference to the "Catalogue of Recommended Models for the Promotion and Application of New Energy Vehicles" issued by the Ministry of Industry and Information Technology.

2. Each financial institution shall reasonably determine the specific disbursement ratio of auto loan based on the borrower's credit status and repayment ability in combination with its own auto loan delivery policy, risk prevention and control and other factors; Effectively strengthen the management of the whole process of auto loans, strengthen pre-loan review, and continuously improve the customer credit evaluation system to ensure that the first repayment of the loan** can fully cover the corresponding principal and interest.

The above content refers to: People's Republic of China** - Notice of the two departments on adjusting the relevant policies of auto loans.

The down payment must be more than 20%, and it may be increased according to the requirements of the unit applying for the loan, and it is generally 30%. If the company's creditworthiness and financial strength do not meet the company's standards, then they may be required to increase the down payment.

Take the Volkswagen Passat 2019 280TSI Business Edition China V as an example:

The purchase of a car** is 10,000 yuan. Based on the 30% down payment of the loan for 3 years, the down payment is 56,790 yuan. The total amount of the down payment is 85,268 yuan (the total amount of the down payment = down payment + necessary expenses + commercial insurance + loan difference).

The new generation of Passat has been launched in the world on October 12 this year, officially launched on October 31, the new car launched 11 models including fuel version and plug-in hybrid version, the fuel version is priced at 10,000 yuan, and the plug-in hybrid version is priced at 10,000 yuan.

Car Loan Channels:

1.Auto finance companies: The biggest advantage is convenience and low threshold, and companies are generally invested and created by auto 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.

Generally, if you buy a car with a loan, the minimum down payment is 30% of the price of the naked car. The down payment of the naked car plus purchase tax, insurance, license plate, handling fee and other expenses is about half of the car price.

The down payment ratio will vary depending on the lender, banks generally implement a minimum down payment of 30%, and manufacturers and financial institutions can be as low as 20%.

Hello, if you take out a loan to buy a car, the down payment is generally about 30%, and some can also buy a car with zero down payment. You need to consult your local dealer for the specific loan policy, but it will cost you some more to buy a car.

The minimum down payment for buying a car is generally 30% of the naked car price, plus purchase tax, insurance premium, license fee, etc., which is almost half of the naked car price.

Under normal circumstances, the down payment ratio is 30% start, and some models may have zero down payment or low down payment policies, and you can go to the 4S store for specific consultation.

Hello, the loan to buy a car is generally a down payment of 30%, plus purchase tax, insurance, handling fees, license fees, etc., about half of the price of the naked car.

Hello, the general down payment of 30% to buy a car can be different from place to place, and the ** of the down payment is also different.

The minimum down payment for a normal mortgage loan to buy a car is 30%, and if some 4S stores engage in **, they will also launch zero down payment.

Now the minimum down payment for a car is generally 30%, and the longest loan term is 36 months.

For installment purchases, it is generally 30% of the down payment for the vehicle. Of course, you can also have a higher down payment.

Hello, the down payment for buying a car is generally a minimum of 30%, and individual dealers also have this activity of 0 down payment.

If you buy a car, it is generally recommended that you make a down payment of 30%, and if you don't want a zero down payment for a model with zero down payment, generally speaking, his handling fee and interest are a little high.

The 4S stores here are at least 30%, and you can only take out a loan for three years at most, but now some online car buying platforms seem to have a much smaller down payment, and if you have less money, you can choose to take a look.

The down payment is generally 30%, the term is 1 3 years, and the maximum is 5 years. Down payment, Jeep Liberty Light Wan, Ford Mustang Wan.

The financial policies of this place are different, generally speaking, the down payment, in the two to 30 or so, there will be zero down payment, you can refer to it.

The down payment is 30% of the price of the naked car, plus handling fees, interest, renewal deposit, GPS fees, etc., which is almost half of the price of the naked car.

Hello, now the down payment of the loan is generally 30%, and you can also pay 50%. There is also a 0 down payment.

Generally speaking, the minimum down payment is 30%, and some local dealers can have zero down payment for activities.

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.

Generally, the down payment of 30% plus purchase tax and insurance basically requires half of the naked car**.