It is not cheap to keep a car now. You must pay for gasoline, parking, maintenance and insurance. In short, money is spent everywhere.
If it is really necessary, such as commuting to work, it is also good to buy a fuel-efficient car to shelter from the wind and rain, and you can take her out to play with girls or something. If it's only a few kilometers to and from work, the battery car is enough. It's just a rainy day to squeeze the bus or carpool, and save some money to wait for your wife to have a baby. That's when you really need it, when you spend money.
In short, you can wear as many pairs of shoes as you like. Without buying a car, the quality of life plummeted. You might as well not buy it.
Briefly talk about your own car buying experience, you can refer to it.
When I bought my first car, my monthly salary was about 4,000 yuan (of course, the price at that time was relatively low, so I couldn't fully refer to it). I buy a car mainly because I can move more widely and move more conveniently. Plus, I didn't have any other debts at that time, and my family was completely hungry. At that time, the road maintenance fee was cancelled, which was entirely based on how much I paid. So I thought about it and bought Chery's Tiggo 3, which landed around 10.
When I first bought a car, there were not many cars. Basically, I go to work, occasionally stroll around, and run 10 thousand kilometers a year (compared with what I run now). Subsequent use fee, oil fee, maintenance and insurance are 10 thousand yuan ~
Although I didn't run much, I obviously felt that my range of activities had become larger. For example, you can go to the surrounding scenic spots to see the mountains and play with water on weekends as a way to adjust your life. At the same time, the activity time is not limited. Before going back to my hometown to visit relatives, I had to catch the last bus, otherwise I couldn't leave. However, after having a car, I don't need to think about it at all. Compared with the cost of about 10 thousand a year, my personal feeling is quite worthwhile.
Then tell me about your situation, because I don't know your actual situation, such as whether you are in debt, whether you want to buy a house, whether you have any savings, etc. , so I can only tell you a few things that must be spent ~
The fuel cost of 1 is calculated at 10000 km per year, and the fuel cost of 5000 can't even run (calculated at 8 oil per 100 km, the fuel consumption of different cars is still very different).
2 Maintenance, according to the maintenance of 5,000 kilometers, now only the oil filter is changed, even once, it will take about 250 yuan. Later, with the increase of mileage, brake oil, coolant, gearbox oil, tires, timing belts, batteries, etc. (Different models vary greatly)
3. Maintenance. I hardly paid for the first car in the first 5-6 years, and then gradually increased it, replacing the wiper motor, generator, water tank fan and so on. This may be the "quality" problem of domestic cars, although I still choose domestic cars.
4 insurance? Travel tax, two thousand a year is impossible to run (because mortgage, the premium will only be high, not low)
5. Fines for violation of regulations, as far as individuals are concerned, range from once at least to 2-3,000 yuan per year ~
Other indirect expenses, when the scope of activities is large, there will be some extra expenses. If you want to go out for a stroll, you must count the tolls, tickets for scenic spots, and even go out to eat and stay.
You can consider whether to buy a car and what kind of car to buy according to your own economic strength ~
Hello, I'm Sister Xiaoxi.
About buying a car, the monthly salary is 6000. I can mortgage a car, but it will be more difficult to maintain it
I have friends around me, and the conditions are similar to those of the subject, but I bought a car with a mortgage not long ago. The car loan mortgage is around 4800, and the pressure feels particularly great.
If the subject can afford the down payment, the monthly salary is 6000, and there is no other burden, it can still be mortgaged.
It's just that many people can afford a car, but they can't. Here, Xiao Xi's younger sister calculates an account for everyone. How much does it cost to maintain a car with a capacity of 200,000 a year?
Example 1:
1, gasoline and tolls
Calculated in a cheap and affordable way, the toll per kilometer in 0.5 yuan is 0.5 yuan, the normal mileage per year is10.5 million kilometers, and the expected cost is10.5 million yuan.
2. Parking fee
Take Changsha as an example. If you have your own garage, that's fine. If not, the minimum fee for the outdoor parking lot in the community is generally 10 yuan/12 hours, the monthly fee for outdoor parking is 1.200 yuan/year, and the garage is 2,400 yuan/year.
However, in some prosperous areas, the price will be higher.
The parking lot under the office building costs about 300 a month and 2400 a year.
So the annual parking fee is 4800 yuan, but the fees are different in different regions.
3, car wash costs
Wash your car four times a month, once in 30 yuan, a year is 1, 440 yuan, but if you are lazy, only wash your car 1 time a month, a year is 360 yuan.
4, maintenance and fines
The estimated annual expenditure is 2000 yuan.
5. Insurance cost
200,000 cars, the annual insurance premium of 4,000 yuan is not too much.
We operate in an economic mode, and the annual cost of a 200,000 car is generally maintained at around 22,000.
So the daily maintenance cost is also a lot of money.
02、
Monthly car loan, in addition to car maintenance, assuming that the car is 200,000, the down payment is 30%, and it will be paid in the other three years, and it needs to be paid back 3,800 per month, which is 45,600 a year.
The salary is 6000 yuan per month and 72000 yuan a year. After paying off the car loan, there are other living expenses, such as the rent schedule. This salary may not be very reasonable.
If you don't buy a car, take the bus to and from work in your daily life:
1. In Changsha, the bus discount is 1.4 yuan/time, twice a day, and the annual fee is 1008 yuan.
Besides taking the bus, you can walk to work, ride a bike and get off occasionally. The maximum cost will not exceed 1 ten thousand yuan.
Therefore, if the monthly salary is only 6000 yuan, it is still not recommended to buy a car.
I think it is necessary to share this problem with the subject. /kloc-I bought my first car in 0/6, Honda Fit III. I was just 20 years old and had no savings. My family helped me pay 50% down payment for three years. At that time, my monthly salary was 2300 yuan, monthly payment 1550, and monthly fuel cost was 300 yuan, mainly for commuting. Ask me if I'm stressed? It must be big. Almost all the maintenance and insurance expenses are paid by the family, so we can't save any money every month. But regret it? I won't regret it. At least I've become a car owner myself, so I don't have to be exposed to the sun.
However, the subject should also consider whether it is necessary to buy a car. If it is only because everyone around me has a car, I suggest that we should carefully consider whether it is vanity or comparison mentality. Unless you have a hard need to buy a car, it is really unnecessary. Although the annual maintenance, parking, car washing and insurance fees are small, they are also very troublesome. And if the salary is not high, it will especially affect the quality of life.
If you need a car for work or career, you must buy it. If you buy a scooter at a moderate price, don't buy it if it is only for ordinary outings or leisure use. After all, cars are consumables. Without it, you can get to your destination by subway or other means of transportation. Besides, your monthly salary is not high and you have no savings. There are also many fixed expenses for buying a car for one year: insurance, parking fees, maintenance fees and illegal fees are tens of thousands, which makes you feel reluctant. Although having a house and a car has become a standard for young people, it is most important not to compare with others and not envy the life that suits you.
Hello! I'm Cheping No.1, and I'm glad to answer this question for you:
It is possible to buy a car with a monthly salary of 6000 yuan without deposit in real life, but the pressure varies according to your car price.
No deposit means that you have to take the road of "0 down payment to buy a car", which involves some other problems. To buy a car with a down payment, you need to provide a series of proof materials, such as ID card, residence permit, property certificate or financial certificate, and some bank running water to prove your repayment ability.
The pressure of buying a scooter with a monthly salary of 6,000 is actually not great, but buying a car is not a one-time consumption. Subsequent insurance, maintenance, engine oil and maintenance costs will affect your current quality of life to a certain extent, and the higher the car price, the greater the impact.
According to the information provided by the subject, if it is not just needed, it is not recommended that you buy a car by mortgage. If you just need it, you can consider a car within 50,000, shelter from the wind and rain, and travel daily. Never buy a car beyond your purchasing power to save face! Finally, please be wary of some zero down payment car traps!
If you can't even guarantee the most basic life after buying a car, I personally suggest not to buy it, and don't follow the trend at will. Moreover, this year is an epidemic year, and you will realize the benefits of having a deposit. Thank you [pray] [pray] [pray]
First of all, according to their actual use, determine whether it is necessary.
Buy a car. If it's just vanity, I suggest you buy it slowly.
After buying a car, it is not recommended to borrow money to buy a car. The cost of buying a car with a loan is relatively high. On the one hand, interest is mandatory, and banks will ask for full insurance, with no discount. Take 6.5438 million cars as an example, the insurance will increase by about 3,000-5,000 yuan (different policies in different regions). So how do you buy a car?
It is recommended to buy a car in full (you can borrow money or negotiate with the car sales company to pay off the balance after entering the house), and then apply for a mortgage loan in the bank. The interest is similar. Remember to pay back the borrowed money, so that you can save two years' insurance premium.
The most important thing at that time was to make money. You can buy a business car to help you make money.
I hope I can help you.
Buying a car is not recommended for two reasons. First, cars are consumer goods, and they begin to depreciate after being bought. Keeping a car is also a big expense, which will affect your quality of life. Second, cars are not your steel needs. The biggest motivation for you to buy a car is that others have a car. This kind of psychology is comparison psychology, not rational consumption. I don't recommend buying a car unless you can increase your income with a car.
Cars are consumables, even if they are new, they are depreciated by you, not counting other expenses. We have to consider it. The epidemic broke out this year. It is not easy to make money, and it must be spent on the toughness of steel. If buying a car makes your quality of life decline, I would rather not buy it. Now that the traffic is developed, we can go wherever we want, so I suggest that we carefully consider whether it is just to follow the trend or for convenience.