With a salary of about 3,000 and a third tier city, is it appropriate to buy an SUV for 150,000 yuan

You are obviously not suitable, the 150,000 car is obviously beyond your affordability, the salary in the third-tier city is only about 3,000 yuan, which is very little, it should only be enough to solve the basic living problems, if the family is local, you don't need to rent a house, it's okay, if you add a rental house, it's definitely not enough.

The car is a consumable, and the value of your car itself should not exceed half of your total annual household income, it should be maintained at one-third.

One, a quarter or even less, so it is more appropriate, and your car is already four times your annual income, which is obviously unreasonable.

150,000 yuan to buy a car, if you rely on your family or your own to continue to buy a car, it is very expensive, but your follow-up refueling and maintenance is very costly. The car is a consumable, and if you enjoy it beyond your own ability, the rest of your life will be very problematic.

You only have 3,000 yuan a month, and your consumption in third-tier cities is relatively high, except for eating, drinking, and buying clothes, there is almost no money left, and you can't even add fuel at that time, so what's the use of buying a 150,000 yuan car and putting it there? It can only be a waste of money, and your 3,000 yuan salary belongs to low-income people, what you have to think about now is not how to enjoy, how to buy a good car to drive, but to find ways to increase your salary and increase your income.

Study harder, take some certificates, master more work skills, make yourself an indispensable member of the company, and after raising your salary, your annual income will reach a medium or high level, and then you will consider the problem of enjoyment.

If you really have to buy a car because of your need for transportation, then it is recommended to buy a slightly cheaper, cost-effective, and affordable one after deducting your basic life. If it really doesn't work, then you can only take the subway and bus, and the hard work in front of you is replaced by happiness in the future, which is what you should do now.

Now, the car has become an indispensable means of transportation in our lives, many people want to have their own private car, but the cost of buying a car is very high, and the later maintenance costs are not a few, so how much is the right amount to buy?

Next, let's take a look at this problem, in a third-tier city, if you have a monthly income of about 3,000 yuan, you want to buy a car of 150,000 yuan, and it is an SUV. Uh, well, all the questions can't be generalized, this depends on the specific situation.

First of all, if you live in a third-tier city, it depends on your own family situation, if the elderly in your family have their own houses, and they have prepared a house for you, they do not need to repay the mortgage, and the elderly in the family will have a pension in the future, and you do not need to take care of it, and you have a certain amount of savings at home, and it is useless in a short time, and your parents' income is stable, then, your salary is 3,000, which is also the income of ordinary salarymen in the local area, then, it is okay to buy a car of 150,000 yuan, But to ensure that your family can still have about 200,000 deposits after buying a car.

Then, let's talk about the following situations, for example, although your salary is 3,000 yuan, but your family has other expenses, you need to use your salary, or your income is unstable, so although your family may be okay, but because your own income is unstable, you can't buy such an expensive vehicle, because you have to save your savings first for emergencies.

In addition, if you need to buy a house independently or need to pay the mortgage every month, then the house must be more important than the car, so if the house and the car are compared together, you must choose the house first, so you can't be such an expensive car.

Finally, if your parents or other people in the family have no income, or their income is unstable, or you have children, you are not suitable to buy a car. Because once the family's income is unstable, they must have savings for emergencies, and children are born with milk powder diapers, as well as special people to take care of them, etc., which need to spend a lot of money, so it is not suitable to buy a car at that time.

In short, there are cars of various price points on the market now, so it is recommended that if you don't have a good family condition and have no debts to repay in the near future, then consider such an expensive car, you can consider a relatively cheap vehicle first.

With a salary of about 3,000, you have to buy a car of 150,000 yuan, I personally think you just want to pretend to be forced!

Let me calculate for you, if you have a salary of about 3,000, your annual income for a year is equivalent to about 36,000. What do you say in this era, 36,000 a year? It should be considered a relatively low income!

So, this year, you really don't need anything? If you deduct some of your living expenses, how much money can you save each year?

Eat every day, even if you are really frugal, you need to eat 30 yuan for three meals a day, which is 900 yuan a month, and then, every month's ** fee, water bill, electricity bill, Internet fee, road fee, various expenses, plus you always have to buy some clothes or something! If you calculate it this way, is it another thousand dollars? If you are married, then the expenses of the family must be greater, and you will have to spend on the children, you will not have enough money, if you are not married, then I think you must have the money for dating!

Even if these don't count, I'll use up 2,000 yuan for you every month! The balance is 1,000 dollars. At such a level, you can only save 12,000 yuan a year.

For a car of 150,000 yuan, it will take you at least fourteen or fifteen years to afford this car! Moreover, after you have a car, you also have to pay all kinds of insurance premiums, fuel costs, and in case there are bumps, some maintenance costs.

So, I just want to ask you, what do you use to pay for so much money? Moreover, I don't know if you have bought a house, if not, then, you must buy a house first and then buy a car! Otherwise, you'll be more stressed later, won't you?

After my calculations, do you think that you can't buy a car at all? I personally suggest that if the car is necessary for your life and work, you can buy a car for less than 100,000 yuan, drive it first, and then consider changing the car when you have money in the future, but if the car is not particularly necessary for you, then there is no problem not to buy it first.

This salary should only be able to buy cars that are not very famous and do not work very well.

If you feel like this, you should buy a car with low fuel consumption for family use.

With a monthly salary of 3,000, you can only buy a low-profile car, and you also need to take out a loan.

If you want to do this, you can buy some small cars, because if you don't have enough money, you should not have enough money to buy some particularly good cars.

With a monthly salary of 3,000, you should be able to buy one with a bank loan. Relatively low-spec cars.

I think most people should choose Volkswagen, and the cost performance is good.

It depends on what your personal budget is, and it is recommended to buy a Japanese car, which is more practical.

Buy a Volkswagen! Between 100,000 or 150,000.

If the monthly salary is 3,000, it is better to buy a more family-type car, which is less than 100,000 yuan.

Zhonghua 50,000 or so looks no different from other cars, but the performance braking ability may be a little worse.

Do you want to buy a sedan or a hatchback? Shanghai Volkswagen's polo is still good.

It is a hatchback.

The price is not very high.

BYD F0 28,000 drove home.

You can buy a car with a monthly salary of 3000, and the specific steps are as follows:

For example, based on "the price of a naked car is 120,000, a mortgage to buy a car, a down payment of 30%, and the remaining two years to pay off", calculate:

1. Buy a car and hit the road.

a. The price of the naked car is 120,000 yuan, the down payment is 30%, and the payment is 10,000 yuan.

b. Purchase tax, 9,000 yuan.

c. Vehicle and vessel tax, 480

d. Insurance, estimated at 5000 per year, because it is a mortgage to buy a car, you need to buy it for three years, 10,000 e, decoration, buy mats, sun films, etc., it is expected to be 2000

f, the licensing fee, about 400.

To sum up, if you want to go on the road, you need to pay cash: 36000 + 9000 + 15000 + 480 + 2000 + 400 = 62880 yuan.

Pay 10,000, monthly income of 3000 If you are in a big city, it should only be enough for daily expenses, if you are in a small city, the rest will not be too much, calculated with a monthly cost of 2000 yuan (if the quarterly dividend is 9000, the actual monthly income is 6000), and the remaining 4000 are all saved to buy a car**.

You can buy a car with a monthly salary of 3000! These 3 cars have low fuel consumption, good comprehensive performance, and have a face when they go out.

Buy a new car, go to Qiuqiu to order a car, the platform models are relatively complete, low down payment and ***, about 100,000 cars, a down payment of a few thousand yuan, you can pick up the car, and it is a personal household, a big platform, and a good reputation.

In installments, a salary of more than 120,000 yuan will be repaid by 40%, and it is not cost-effective to install.

It depends on your savings and family conditions, and if the conditions are good, it's casual.

Maintaining a car is twice the cost of buying a car.

So think carefully before buying a car.

Not only fuel consumption, but also maintenance, replacement parts and so on.

Personally, I'm leaning towards the Nissan Solar, which has a good engine and low fuel consumption.

This car uses the chassis of Tiida and the engine of the Mercedes.

Soon, Tiida's facelift is also going to be on the market, it looks like a sunny hatchback, although the Kaiyue is GM, but the model is South Korea's Daewoo, this car is more fuel-expensive, Saiou and Rena have a relatively small one, you can consider driving for more than five years, and then change the car after five years, which is not very valuable.

There is still money to buy. Staging is not cost-effective.

After all, buying a car is not buying groceries, it is also a big item, so you need to make a budget and preparation before, a monthly salary of 3000, then you must have a deposit, you mean that the monthly salary of 3000 can afford a car, then I will share it from my experience.

2. If you have a 10W deposit, then it is recommended to take a look at the new compact car of the domestic brand, here we recommend BYD F3, the new car is only 40,000 yuan, all down to about 6W, and the cost of the car is also very low, and the monthly salary of 3000 can also be raised.

3. If you have a deposit of 15W or more, then you can consider the entry-level sedan of domestic or joint venture brands, such as Geely or Chevrolet, etc., their entry-level sedan is not expensive, but compared with BYD F3, it must be a big improvement, and it looks better on the face!

v In fact, the most important thing to buy a car is to see your actual economic situation and demand for a car, now a large part of our Chinese family is a car per family, but it is not that I can't live if I don't drive, I insist on a sentence, the car is a tool, buy to serve us, the car is not the uncle, buy it back I will serve it, so, the budget allows, the family also has actual needs, you can buy, if the economy is more tight, the car is not a necessity, don't slap the swollen face to buy a car, face is worthless, But life or family is your own responsibility. It's a bit far, but I hope it helps!

I think it's okay to buy a car. You can buy models within 100,000 yuan, everyone wants to have a car of their own, and we have to realize it while we are young.

A monthly salary of 3000 is not recommended to buy a car. If you have to buy a car, you can consider a second-hand car, but insurance is a must, and this money cannot be saved.

No, there will basically be no surplus in this monthly salary, and you can't afford to support it after you buy a car.

Summary. Hello, nice to meet you. I'm Xiaomo, an auto repair consultant.

With 15 years of experience in automobile maintenance, he is currently working in FAW-Volkswagen, one of the world's top 500 state-owned enterprises, with a senior certificate for automobile maintenance and a certificate for auto beauty technicians, and is familiar with the detailed configuration of major brands of vehicles, and has provided comprehensive automobile repair and maintenance consulting for tens of thousands of customers.

We are typing the answer by hand, so please be patient for a while. I'll give you a solution in a few minutes, thanks! ❤️

Can you buy a car with a monthly salary of three or four thousand?

Hello, nice to meet you. I'm Xiaomo, an auto repair consultant. With 15 years of experience in automobile maintenance, he is currently working in FAW-Volkswagen, one of the world's top 500 state-owned enterprises, with a senior certificate for automobile maintenance and a certificate for auto beauty technicians, and is familiar with the detailed configuration of major brands of vehicles, and has provided comprehensive automobile repair and maintenance consulting for tens of thousands of customers.

We are typing the answer by hand, so please be patient for a while. I'll give you a solution in a few minutes, thanks! ❤️

The money for maintaining a car in January is about 730 yuan, which is still less driving, less passing through toll stations and highways, and can not be done to maintain the car, even if it is saved and saved, the cost of a month is also seven or eight hundred. If your monthly salary is only three or four thousand yuan, it is still not recommended to buy a car, otherwise one-third of your monthly salary will run away with the car, which will increase the cost of living.

Thank you for the suggestion.

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