China Construction Bank has four points in one year, eight points in two years, three years 12 points, and auto finance is around nine o'clock. Generally, he will not let you go for more than three years. The Ford I just bought is finance. I suggest that the landlord go to the physical store to find out clearly, because the statements of different stores are not consistent, some are called handling fees, some are called interest, some are extra 1500, and some are extra 2500. It's hard to say what he likes. I hope my answer will satisfy you.
2. What is the interest rate of financial car loan?
Borrowing money to buy a car is becoming more and more common in our life, so what is the interest rate for choosing a financial car loan? The interest rate of financial auto loan is the auto credit of General Motors Financial Services Company, with the interest rate of 65,438+00.99%, and the interest to be paid at the end of the year is 3,026.20 yuan, almost doubled. In fact, many banks and car dealers are now jointly launching credit card car loan business. Such loans generally have no household registration and property restrictions. As long as the cardholder has good credit and stable income, the loan amount is generally around 200,000 yuan. It can be returned in 12, 18 and 24 installments. Generally, there is no interest, only a certain handling fee is charged. Of course, consumers need to carefully weigh which car loan to choose when buying a car. There are generally two ways to calculate the interest of car loan: equal principal and interest repayment and equal principal repayment. Calculation formula of monthly repayment amount by matching principal and interest repayment method: monthly repayment amount = [loan principal× monthly interest rate× (1interest rate) repayment month ]( 1 interest rate) average fund repayment method-1 monthly repayment amount calculation formula: monthly repayment amount = (loan principal ÷ repayment months) (principal-
3. How to calculate the loan interest rate of Toyota Finance Car?
How to calculate the interest rate of auto financing loan? Comparatively speaking, auto financing loans have no real estate mortgage or guarantee, but the loan interest rate will be higher. Moreover, the interest rate of auto financing companies often varies according to the loan period and the down payment ratio of car buyers.
The usual rule is that the shorter the loan term, the higher the down payment and the lower the loan interest rate, so the repayment coefficient of automobile loan provided by Toyota Motor Finance is used for analysis.
If you apply for a loan of 10,000 yuan, suppose the term is one year. According to the financial proportion of down payment and the calculation method of equal principal and interest, the monthly repayment amount is different, in which the down payment proportion is 20% ~ 30% and the monthly repayment is 878.93 yuan. The down payment ratio is 30% ~ 40%, and the monthly repayment is 877.07 yuan; When the down payment is higher than 40% of the car loan, the monthly repayment amount is 874.28 yuan.