• 2020-01-01
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Car loan calculator

Bare car price element

Down payment proportion

Repayment method

repayment term

interest rate %

Calculation results

Total loans Average monthly repayment Interest payment Total repayment
zero element zero element zero element zero element

Repayment details

Period Repayment of interest Repayment of principal Monthly supply of the current period Remaining principal
No details temporarily

Reference to other car purchase expenses

Necessary expenses
Purchase tax 0 yuan Car purchase price/(1+17%) × purchase tax rate (10%)
Licensing fee 500 yuan Generally, the one-stop service provided by merchants is about 500 yuan, and the individual service is about 373 yuan
Vehicle and vessel use tax 440 yuan The provinces are not unified. Take Beijing as an example (unit/year). 1.0-1.6L (including) 420 yuan; 1.6-2.0L (including) 480 yuan
Compulsory traffic insurance 950 yuan 950 yuan/year for families with 6 seats or less, 1100 yuan/year for families with 6 seats or more
commercial insurance
Third party liability insurance 1026 yuan Default 100000, optional: 50000, 100000, 200000, 500000, 1000000
Vehicle loss insurance 285 yuan Basic premium+bare car price × 1.0880%
Whole vehicle theft rescue 0 yuan Bare car price × rate (0.7% as an example)
Excluding deductible special insurance 262 yuan (Vehicle loss insurance+third party liability insurance) × 20%
Risk of single glass breakage 0 yuan Purchase price of imported new cars × 0.25%, purchase price of domestic new cars × 0.15%
Spontaneous combustion loss insurance 0 yuan New car purchase price × 0.15%
No excess liability insurance 205 yuan Third party liability insurance premium × 20%
Liability insurance for onboard personnel 50 yuan The premium per person is 50 yuan, which can be filled in according to the actual number of seats
Body scratch insurance 400 yuan Default: 5000, compensation limit: 2000, 5000, 10000, 20000

Car loan calculator 2023

The auto loan interest rate is subject to the central bank's standard interest rate, and the loan interest rate within one year (inclusive) is 4.35%; The loan interest rate for one to three years (including three years) is 4.75%; The interest rate of three to five years (including five years) is 4.75%; The interest rate of more than five years is 4.90%. However, generally automobile manufacturers and sales companies will have a discount on interest, so the interest rate is not fixed. Please enter the actual interest rate when using this auto loan calculator to calculate.

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