With this question, Miao Ge went to inquire about the relevant values about the standard of buying a car, not to mention this standard. This standard is a standard value based on the ratio of the price of a car to the average annual disposable income of your family when you buy a car. Generally speaking, when you buy a car, you see that the landing price of that car is 6.5438+10,000 yuan, and your household disposable income is exactly 6.5438+10,000 yuan. Then divide the landing price of this car by your household disposable income, and 654.38+ ten thousand yuan multiplied by 654.38+ ten thousand yuan is exactly 654.38+0, and this ratio is 654.38+0.
But when you went to buy a car, you said that the car with 654.38+ 10,000 yuan was too bad, and it would be embarrassing to drive it out. I might as well ride a bike, so I took a fancy to the 500 thousand one, but my family disposable income is only 6.5438+10 thousand. Then divide this 500,000 yuan by 6.5438+10,000 yuan, and the value is 5. So which value is suitable for ordinary families to buy a car? According to the information inquired by Miao Ge, in general, the values of European and American countries with mature automobile industry and culture are basically 0.5, or even less than 0.5. For example, the United States and Western Europe are basically below 0.5. From a human point of view, if the disposable income of a family in the United States and Western Europe is 654.38+10,000 yuan, they will only buy a car of 50,000 yuan instead of a car of 500,000 yuan.
But this value is not practical for most families in our country. Why? Brother Miao tells you a very practical truth. In our country, you earn 5000 yuan a month, and you can earn 60 thousand yuan a year without eating or drinking. You can buy a general domestic car or a beggar joint venture car. If you do the same job in America, you may earn $4,000 a month. If you don't eat or drink for a year, it's 48. The key is that $48,000 can buy a mid-level car with a price of more than 300,000 in our country in the United States. Having said that, you can understand why this value is not applicable in our country.
So how much does this value apply in our country? See if you want to buy a car in full or with a loan. Because if you buy a car in full, the pressure will be much less. Loan to buy a car, monthly mortgage repayment, children's tuition, wife's cosmetics, car loan, great pressure. If you buy a car in full, this value is 2, which may not cause too much pressure on your subsequent car maintenance and life. If you have a disposable income of 6,543,800 yuan at home now, you can buy a car of 200,000 yuan or even more than 200,000 yuan. Buying a car in full is not a big problem, and it will not have much impact on your life. However, if you want to borrow money to buy a car, you still have to think carefully. This value should not be too large. Miao Ge personally suggested that if the loan exceeds 50%, this value should be controlled at around 1. If the loan amount reaches 70%, the recommended value should be controlled at around 0.5.
Of course, Miao Ge's suggestion and this value are not absolute. After all, there are always some accidents in life. For example, your dad's small goal is to earn 100 million yuan this year, then this value means nothing to you.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.