If you plan to buy a car with a loan, you need to pay five kinds of fees: down payment, insurance premium, notarization fee, vehicle mortgage fee and other related fees. Take your example: the fee is 1: down payment = car purchase amount ×30% (the down payment ratio of banks is not exactly the same, here take the common 30% as an example) 0% = 45,000 yuan. Cost 2: Insurance cost = the borrower's auto-ignition insurance for stolen vehicles and emergency vehicles, and the third-party liability insurance for vehicle damage, which is about 3,000 yuan. The insurance premium shall be paid in one lump sum according to the loan term (if the loan term is 3 years, the three-year insurance premium shall be paid in one lump sum) 00 yuan (charged by the notary office, slightly different from place to place). Fee 4: The vehicle mortgage fee is in 300 yuan (charged by the vehicle management department, which varies slightly from place to place). Fee 5: the same vehicle surcharge as non-loan car purchase, and so on! I recommend a website for you, which contains a lot of similar information. Make a decision!
Second, what are the costs of buying a car with a loan?
1, the down payment amount, a certain amount must be paid as the down payment of the vehicle when the vehicle is purchased by loan (usually the down payment amount is 30% of the vehicle price); 2. Interest. Interest is calculated according to the user's loan term and loan amount, and the interest rate is set by banks and financial institutions. Loan users need to repay the interest principal to banks or financial institutions on a monthly basis; 3. handling fee. Users need to pay a handling fee (financial service fee) after successfully applying for a loan in a 4S store, which is generally 2%-3.5% of the loan amount, and different brands will have different amounts; 4. Purchase tax. The calculation formula of vehicle purchase tax is: purchase tax = purchase price ÷ 1. 17× 10%, and every vehicle is required to have a minimum purchase tax limit. After paying the purchase tax, obtain the purchase tax payment certificate; 5. Insurance premium. In general, it is suggested that you only need to choose four basic risks, namely compulsory insurance, car damage insurance, third party liability insurance and deductible insurance. If the owner of the loan is the first year, you need to choose "stealing for emergency rescue". In addition, the insurance premium does not include the vehicle and vessel use tax (which varies according to the displacement), but the insurance company collects the vehicle and vessel tax, so it is generally purchased together.
3. What are the fees for buying a car with a loan?
If you plan to buy a car with a loan, you need to pay five kinds of fees: down payment, insurance premium, notarization fee, vehicle mortgage fee and other related fees.
Take the car that you plan to buy for 6.5438+0.5 million yuan as an example:
Cost 1: down payment = house purchase price ×30% (the down payment ratio of each bank is not exactly the same, here take the common 30% as an example), that is, 150000×30%=45000 yuan.
Expense 2: Insurance expense = borrower's accidental injury insurance (the first beneficiary is the bank), auto-ignition insurance for stolen emergency vehicles, and third-party liability insurance for vehicle damage insurance, which is about 3,000 yuan. The insurance premium shall be paid in one lump sum according to the loan term (if the loan term is 3 years, the insurance for 3 years shall be paid in one lump sum).
Fee 3: notarization fee for loan contract 100 yuan (charged by notary office, slightly different from place to place).
Fee 4: The vehicle mortgage fee is in 300 yuan (charged by the vehicle management department, which varies slightly from place to place).
Expense 5: Other expenses such as vehicle surcharge are the same as non-loan car purchase. This is almost the cost! I recommend a website for you, which contains a lot of similar information. If you have any problems next time, you can solve them yourself!
Fourth, how to account for the loan to buy a car?
Loan interest included in the company's profit and loss must meet the following conditions:
1. This car is registered in the company name, not in the private name. If it is registered in a private name, the car purchase may be recognized by the tax authorities as a de facto profit distribution, and personal income tax will be levied on dividends.
2. The car has gone through legal loan procedures and signed a loan contract with the bank. The borrower is a company rather than a private person. If the borrower is private, repayment and interest payment can be regarded as profit distribution. If the above conditions are met, it should also be handled according to the situation: 1. If the company is profitable and is considering increasing expenses and reducing profits, interest will be included in financial expenses. 2. If the company requires to increase the amount of assets, and it has little impact on the income tax on car loan interest, it can be included in the cost of fixed assets. In a sense, car loan interest is included in the cost of fixed assets, which meets the requirements of asset capitalization. For example, many car loans issued by banks are subject to one-time deduction of interest or one-time deduction of handling fees. At this time, the vehicle has not yet obtained a legal driving license and has not yet been put into use; The loan is a special loan, which cannot and cannot be used for other purposes, and its interest expenditure has obvious directionality. If the interest expense is included in the fixed assets, it is only necessary to calculate the total interest during the loan period according to the provisions of the loan contract and then include it in the value of the fixed assets. Borrowing: fixed assets (invoice price, taxes and other additional expenses, estimated total interest calculated according to the loan contract) loans: bank deposits (actual payment, including some additional expenses such as taxes and fees for the down payment of car loans). ) Long-term loan (loan contract amount) Long-term payable (estimated total interest calculated according to the loan contract) When repaying interest: Borrow: Long-term loan (repayment of loan principal in this period) Long-term payable (interest payable in this period) Loan: bank deposit, regardless of repayment method.