The house was bought by his family when he was in college. Although the area is not large, it is enough for Xiao Yang to live in the future. Moreover, the property was purchased in full. Although the family borrowed a lot of money, they basically paid it back after graduation. In this case, can Xiao Yang start with the Honda Civic that he misses day and night? Let's analyze it together.
Take Honda Civic 1.5T as the most popular one, right? For example, Xiao Yang can only choose a loan if he wants to buy hundreds of thousands of Honda Civic because he only has more than 60,000 on hand. At present, the minimum down payment of formal loan companies is 30%. The official guide price of Civic is 654.38+039.9 thousand yuan, and the market preferential strength is about 5,000 yuan. The actual bare car price is134,900 yuan, the down payment is 30% 40,470 yuan, the vehicle purchase tax is 1 1938 yuan, and the insurance is about 5,698 yuan. So the down payment of 30%, plus all upfront expenses, is 62 106 yuan. The monthly payment is 2820 yuan, which will be paid off in 36 installments over three years, with a total landing price of 163550 yuan.
If the loan amount can be controlled within 60,000, in fact, many regions also support 18 interest-free loans, but the down payment of 60,000 is definitely not enough, so we can only choose to borrow more and then extend the loan time. If you don't have enough funds and want to buy an overpriced car, the total loan cost will be high, but generally speaking, this is the normal car purchase cost of 30% down payment.
Fortunately, however, the Honda Civic is still relatively economical. The later maintenance cost and fuel consumption performance are not particularly high, and the maintenance rate and reliability are relatively comfortable. Not to mention the appearance and power level, most car owners are buying for these two points.
According to Xiao Yang's situation, the monthly salary is more than 2,800 after 5,000, which actually affects daily life within three years. Because after paying off the loan, there will be about 2200 yuan of living expenses left every month. Although Civic is economical to use, it costs an average of 800 to 1 000 yuan a month to maintain a car normally. Excluding these expenses, Xiao Yang only has 1000 yuan for living expenses every month. /kloc-although the living expenses of more than 0/000 can be passed, the quality of life is definitely not the same as the disposable income of 5,000 yuan per month.
Of course, in this case, there are not a few people who still choose to buy a car, mainly because there is a parent behind him who keeps exporting for him. If Xiao Yang's parents bear Xiao Yang's loan expenses and Xiao Yang is only responsible for car maintenance within three years, the pressure of life will be much less. Or parents give Xiao Yang another 5,000 yuan a month for living expenses, so it is not a problem to raise an Accord.
Therefore, whether a young person can borrow money to buy a car or maintain a car depends not only on his personal income, but also on whether there is an ATM behind him. If you rely on Xiao Yang's current strength, the pressure of buying Civic with a loan is absolutely great, which is not worth the loss.
The above content is pony's personal opinion, hoping to help you. You are also welcome to comment in the comments section below and talk about how much you think a month's salary is suitable for raising a Honda Civic.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.