60,000 to pay a down payment which car is the most suitable for office workers

Hello dear! This ** recommends you take a look at the Great Wall C30! Good value for money! You can take it for a test drive! I hope it can help you, please set it as! Thank you!

Audi A3. Di has a good mass base in China, not only entered the market early, especially for frequent business cars, so his recognition is slightly higher than that of other luxury rivals. The luxury compact segment has always been dominated by the Audi A3.

The entry-level version is not only priced lower, but also discounted**, which is probably about the same as the high-end version of the same level of ordinary brand models**.

There are many engine configurations of the power A3, including liter TDI, liter TDI, and liter straight.

Fourth, liter FSI and liter V6 engine.

In order to achieve the ultimate in performance, the factory not only installed the Quattro all-wheel drivetrain, which Audi is most proud of, but also equipped with a DSG dual-clutch automatic manual transmission that can only be found in top performance cars, providing the A3 with extremely smooth and high-speed gear shifting.

The down payment is 60,000 yuan, if you repay 3,000 yuan per month for three years, which models can you buy? If the monthly payment is 3,000 yuan, then the total repayment amount for three years is 108,000 yuan. Judging from the current interest rate level, after deducting interest, the principal is about 95,000 yuan.

With a down payment of 60,000 yuan, the total amount of this car will be 10,000 yuan!

About 18,000 to 20,000.

Down payment ratio

In 2013, the requirement was that the down payment for the first home was 30% of the total price and the down payment for the second home was 60% of the total price. Because considering the repayment risk of the loan, the relevant departments will require the buyer to provide a part of the down payment, that is, a part of the house payment by the individual in advance to prove that you have the ability to repay.

On March 25, 2016, Shanghai promulgated the "Several Opinions on Further Improving the Housing Market System and Security System in Shanghai to Promote the Stable and Healthy Development of the Real Estate Market", which clarified that for households with one house, if they apply for a commercial personal housing loan to purchase an ordinary self-owned house in order to improve their living conditions, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary owner-occupied housing, the down payment ratio shall not be less than 70%.

Calculation method: The amount of the down payment is determined according to the country's policy at the time. For example: a 30,000 yuan square house, a 100 square meter house is 3 million. Then, the down payment of 20% is 600,000, the down payment of 300,000 is 900,000, and the down payment of 40% is 1.2 million.

National policy. In the "Notice of the General Office, the Ministry of Construction and Other Departments on Adjusting the Structure of Housing and Stabilizing Housing", in order to curb the excessively rapid housing prices, from June 1, 2006, the down payment ratio of individual housing mortgage loans shall not be less than 30%. Taking into account the housing needs of low- and middle-income people, the down payment ratio of 20% is still implemented for the purchase of owner-occupied housing with a floor area of less than 90 square meters.

The above content reference: Encyclopedia - down payment.

Generally, 30% down payment and two years of installments. The car I bought that year was 59,800 yuan, with an installment of 40,000 yuan, and the rest of the down payment and a monthly payment of 1,666 yuan. In addition to the down payment of the car, you also have to prepare tax money and insurance money, generally about 60,000 yuan for the car, if you pay in installments, you have to prepare 30,000 yuan in the early stage.

30% down payment. However, insurance and other expenses such as loan interest and license plate taxes must be paid in advance when buying a car.

Specifically, you have to negotiate with the 4S store, and some can discount the insurance or something.

It is estimated that about 30,000 will have to be prepared.

Generally speaking, it is about 30% of the full amount, and you can discuss it with the 4S store in detail.

Ten thousand or so is considered a normal range.

Generally, the down payment is 3-5%.

The car loan company is 2-5 percent.

Large-scale car purchases** detectives buy cars 0-1 into.

Fifteen thousand to twenty-five thousand! Pay less and pay more! Pay more and pay less!

Buying a car is a total of 60,000 yuan, the down payment is 20,000 yuan, and the loan is 40,000 yuan, depending on how long your loan term is, if it is a one-year term, the annual interest rate is 5%. Then you need to repay a total of $42,000. The monthly payment for a month is 3,500 yuan.

This is the case with a car loan.

Loan consumption is becoming more and more common, what are the procedures for novices to apply for a loan to buy a car? First of all, you need to understand the basic conditions for applying for a personal car loan:

Citizens who are over 18 years old and have full capacity for civil conduct.

Have a legal identity document, have a local permanent residence or a valid residence certificate.

This is the basic condition for applying for a car loan, let's take a look at what procedures are required to buy a car with a loan.

Secondly, the process of applying for a loan to buy a car:

1: The borrower submits the loan application materials to the bank.

2: The bank will conduct a preliminary review of the application materials submitted by the borrower.

3: The bank conducts credit investigation and customer evaluation of the borrower.

3: The bank will examine and approve the loan application that meets the loan conditions through the preliminary examination and credit investigation.

5: After the loan contract takes effect, the handling bank will issue the loan. A special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower who purchased the car.

Finally, you need to know the information you need to buy a car with a loan.

1: Personal Loan Application

2: Valid personal ID card. Including resident ID cards, household registration booklets, military ID cards, passports, Hong Kong, Macao and Taiwan compatriots travel permits, etc. If the borrower is married, the identity of the spouse must be provided.

3: Certificate of household registration or long-term residence.

4: Proof of personal income, if necessary, proof of family income or property.

5: Proof of intent to purchase a car issued by a car dealer.

6: Proof of down payment for a car loan.

7: If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of the guarantee shall be provided, including the pledged right certificate, the certificate of ownership and appraisal of the mortgaged real estate, and the letter of intent of the third party guarantee.

8: If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle attached to the transportation fleet, the lease agreement, etc.

9: If the vehicle purchased by the loan is a second-hand car, the certificate of intention to purchase the car and the vehicle appraisal report issued by an appraisal agency recognized by CCB must also be provided; The vehicle seller's vehicle ownership certificate, the motor vehicle registration certificate of the vehicle traded, the vehicle annual inspection certificate, etc.

The more common the loan consumption method, the more careful it is for novices to apply for a loan to buy a car, and carefully watch the filling of procedures. So as not to cause unnecessary trouble after the latter loan during the loan process.

The minimum down payment for general loans is 30%, 60,000 x 30% = 18,000 yuan, purchase tax: 5,128 yuan (car model), insurance: 3,600 yuan (approximately) on the license:

500 yuan, down payment total: 27228 yuan (probably), generally can be borrowed for up to 5 years, and some can be loaned for 3 years. Approximate monthly payment for 3 years:

Around 2000. 5 years approximately: about 1300.

The pick-up cycle is generally 30-60 days.

It's better to handle it on the Dandan--Order-a-p-p-p, 0 to 10% can pick up the car, and a few thousand yuan can pick up the car.

You can go to the upper line to see, 0-1 into the right handle.

You can go to Qiuqiu to book a car to see, you don't need such a high monthly payment, a low down payment of about 5%-10%, and the car is a personal account in your own name, so I can afford it, it's really good.

To buy a car, you can go to a low down payment and go to the egg cars of a personal household - buy a car - a-p-p-p - see that there are more models, and the car is fast, the service is good, and it is more suitable and reliable.

The installment payment formula is as follows:

Car price down payment = cash purchase of the car** (down payment ratio 30%-80%)Total down payment = down payment + insurance premium + license fee.

Loan amount = cash for car purchase** - down payment.

The average monthly payment is based on a five-year term.

The calculation formula is: the amount of principal repayment in each period = the principal amount of the loan and the number of repayment periods;

Interest payable in each period = the remaining principal of the previous month and the monthly interest rate of the loan.

Summary. Hello dear, <>

Take a car of 60,000 yuan as an example, with a down payment of 30% (18,000), a two-year interest-free loan, a loan amount of 40,002, and 2,000 yuan need to be repaid to the bank every month, but generally 4S store interest-free loans need to pay financial fees ranging from 3,000 to 5,000, which is equivalent to a monthly repayment of 2,200 yuan, and if the down payment is less than 30 percent, the repayment amount will be 2,500 yuan, but the financial handling fee will be more expensive.

How much is the down payment of 6,000 months for a car of 66,000.

Hello dear, <>

66,000 car down payment 6000 monthly payment to 60,000 yuan car as an example, down payment 30 percent (18,000), two-year interest-free loan, loan amount 40,002, need to repay 2,000 yuan to the bank every month, but generally 4S store interest-free loans need to pay 3,000 to 5,000 financial fees, equivalent to 2,200 yuan per month, if the down payment is less than 30 percent, the repayment amount is 2,500 yuan, but the financial handling fee will be more expensive.

Hello dear, <>

If my answer is helpful to you, please give a thumbs up (in the lower left corner), I look forward to your like, your efforts are very important to me, and your support is also the motivation for my progress. If you feel that my answer is still satisfactory, you can click on my avatar for one-on-one consultation. Finally, I wish you good health and a good mood!