汽车贷款首付几成划算？英文双语对照

汽车贷款首付几成划算？

分期付款买车的首付20%-50%，根据消费者所选择的贷款方式不同，所提供的申请资料不用，首付比例也可能会不一样。

目前多数银行规定最低首付款为全车售价的40%，汽车金融最低可达到20%。

贷款年限一般有3年和5年两种选择，最长不超出5年。有的还需缴纳车价10%左右的保证金及相关手续费。

客户贷款3年月供在3000元左右，总利息支出大概在9000元，而5年的月供仅为1900元左右，其间客户还可随时提前还款。

一般贷款额不高于车价的80%，其余的叫首付款，有些银行或金融机构须要你先付首付款再肯放款的。

贷款年限有一年，二年，三年或五年，如果是贷款八万到十万，三年是最佳选择，五年的话利息支出比较高。

有正常工资收入的,最好有公积金、房产(有产权的)或已婚的。当然，如果你还有别的可以证明你有偿贷实力的书面文件都可以。

汽车贷款首付能付80%？

车首付20％－50％，一般银行要求40％－50％，有些车行找一些融资公司，就可以做到20％，甚至更低。 一般分2－5年还清，月还款多少看你贷多少了，可以用房产担保 首先要知道买车的分期付款的受益人是银行或是金融机构,因为现在许多银行对贷款购车的门槛比较高,更多的金融公司,尤其是与该汽车生产厂家同出一系的金融公司开始为客户办理方便的贷款手续.(例如上海通用的金融公司有GMAC贷款) 其次是对购车人的条件要求:一般为有正常工资收入的,最好有公积金、房产（有产权的）或已婚的。当然，如果你还有别的可以证明你有偿贷实力的书面文件都可以。

汽车贷款利率？

一般汽车贷款利率都是银行按照央行公布的基准利率上下浮动，优质客户可享受基准利率或者下浮10%左右，普通客户贷款利率可能上浮10%左右，具体以申请时银行的实际贷款利率为准。目前，央行最新基准率如下：

　　1、短期商业贷款：1年内（包含1年），年利率为4.35%。

　　2、中长期商业贷款：1年至5年（包含5年），年利率为4.75%；5年以上，年利率为4.9%。

汽车贷款计算？

车贷计算公式：1、额本息还款法，即贷款期每月以相等的额度平均偿还贷款本息，每月还款计算公式为：每月还款额=贷款本金×月利率×（1+月利率）还款月数/[（1+月利率）还款月数-1];

2、等额本金还款法（利随本清法），即每月等额偿还贷款本金，贷款利息随本金逐月递减，每月还款额计算公式为：每月还款额=贷款本金/贷款期月数+（本金-已归还本金累计额）×月利率。

汽车贷款是指贷款人向申请购买汽车的借款人发放的贷款，也叫汽车按揭;

贷款对象：借款人必须是贷款行所在地常住户口居民、具有完全民事行为能力;

贷款条件：借款人具有稳定的职业和偿还贷款本息的能力，信用良好；能够提供可认可资产作为抵、质押，或有足够代偿能力的第三人作为偿还贷款本息并承担连带责任的保证人;

贷款额度：贷款金额最高一般不超过所购汽车售价的80%;

贷款期限：汽车消费贷款期限一般为1-3年，最长不超过5年;

贷款利率：由中国人民银行统一规定;

还贷方式：可选择一次性还本付息法和分期归还法（等额本息、等额本金)。

长安汽车贷款明细？

逸动PLUS车系30%首付款2.19-3.12万，36期还款，月供1538元起

汽车贷款首付最高多少？可不可以是60%到80%之间？

汽车贷款需要20%以上，根据你申请贷款的单位的要求可能会有所提高，一般30%。如果你的资信和经济实力没有达到该公司的标准，那么可能会被要求再提高首付。一般来说你申请贷款时填写30%就可以了。首付的多少于车价没有直接联系，主要是贷款单位要控制风险。比如，你首付20%，那么贷款单位就要支付80%的贷款给你，万一你没还款，那他就损失80%;假如你首付40%，那他的风险就只有60%了。另外，月还款的多少要看你所贷款单位的利率情况，利率情况每家单位都不一样，而且还要看你的贷款时间。时间越长利率越高。

汽车贷款怎么贷？

能的呀。上个月刚刚贷款给媳妇儿买了一辆。好车e贷申请的，当天申请，当天就放款了，很快。而且不用像以前银行贷款那么麻烦，需要提交各种担保凭证什么的，15万以下，一张身份证就可以了。也不会打单位回访。车型还比较多，不管我们男士喜欢的SUV还是姑娘们喜欢的朗逸、Polo都有零利率优惠，还蛮合适的。

理想汽车贷款条件？

一般车贷提供的资料为身份证、驾驶证、房产证、银行流水、收入证明等即可，有些简便手续，一张身份证就行。

什么是汽车贷款对象？

购买汽车的用户，选择贷款，这部分顾客就是汽车贷款的对象。

吉利汽车贷款利息多少？

现行汽车贷款是无息的，只是收取一定的手续费

Does the car borrow money head pay a few into be to one's profit?

Instalment buys a car head pay 20%-50% , the loan kind that selects according to consumer place is different, provides application data need not, head pay proportion also may different.

At present most bank stipulates lowermost head pays 40% what be whole car price, car finance lowest can be achieved 20% .

Loan fixed number of year has 3 years to mix 5 years commonly two kinds of choices, the longest do not exceed 5 years. Some still wants pay car price 10% right-and-left bail and relevant poundage.

The client borrows money 3 days are controlled for be in 3000 yuan, total interest expenses is in 9000 yuan probably, and month of 5 years is controlled for be 1900 yuan only, meantime client still can shift to an earlier date at any time reimbursement.

Average loan specified amount not 80% of price of prep above car, of the others cry head pay, some banks or financial orgnaization beard want you prepaid head pay to agree again of loan.

Loan fixed number of year has a year, 2 years, 3 years or 5 years, if be loan 80 thousand to 100 thousand, it is optimal choice 3 years, word interest expenses of 5 years is taller.

Have regular wage income, had better have accumulation fund, house property (have property right) or married. Of course, it is other and OK to if you are returned,have prove you are paid the written file that lends actual strength is OK.

Does the car borrow money a Fu Nengfu 80% ?

Car head pays 20 ％ - 50 ％ , average bank asks 40 ％ - 50 ％ , some cars seek company of a few financing all right, can accomplish 20 ％ , lower even. General component 2 - pay off 5 years, lunar reimbursement sees you how much borrow, can assure with house property the beneficiary beneficiary of the instalment that should know to buy a car above all is bank or it is financial orgnaization, because a lot of banks are right now the threshold that loan buys a car is higher, more financial firms, the financial company that gives one department together with manufacturer of this car production especially begins to deal with convenient loan procedures for the client. (Does the financial firm with current of great capacity of exemple as above have GMAC to borrow money) the conditional requirement: that is pair of people that buy a car next? ? of comfortable bastinado Yun had better have 9 ぷ of  of surname of word lot  accumulation fund, house property (have property right) or married. Of course, it is other and OK to if you are returned,have prove you are paid the written file that lends actual strength is OK.

Car loan interest rate?

Interest rate of average car loan is the float of fluctuation of standard interest rate that the bank announces according to the Central Bank, high grade client can enjoy standard interest rate to perhaps leave surplus 10% the left and right sides, interest rate of average client loan is potential rise 10% the left and right sides, specific it is with the actual loan interest rate of the bank when application accurate. Current, the Central Bank is newest and fiducial lead as follows:

1, short-term trade borrows money: Inside 1 year (include 1 year) , annual interest rate is 4.35% .

2, in long-term commerce borrows money: Come 1 year 5 years (include 5 years) , annual interest rate is 4.75% ; 5 years of above, annual interest rate is 4.9% .

Is car loan calculated?

The car borrows computational formula: 1, law of reimbursement of frontal principal and interest, namely loan period is spent every months with equal specified number repay on average loan principal and interest, formula of computation of every months of reimbursement is:

2, law of reimbursement of capital waiting for the forehead (benefit follows this clear standard) , wait for the forehead every months to repay namely loan principal, loan interest decreases successively along with capital month by month, formula of computation of specified amount of every months of reimbursement is:

Car loan is the loan that the borrower that shows usurer buys a car to application extends, also call a car to mortgage;

Loan object: Borrower must be loan travel seat dweller of constant resident mouth, have; of competence of completely civil action

Loan requirement: The profession that borrower has stability and repay the ability of loan principal and interest, credit is good; Can offer can approbate asset to regard as touch, impawn, or the 3rd person that has capacity of enough generation countervail serves as repay the sponsorial; that loan principal and interest assumes joint liability

Loan specified amount spends: Loan amount is highest and average the 80%; that does not buy car price more than

Loan time limit: Time limit of car consumption loan is 1-3 commonly year, the longest do not exceed 5 years of;

Loan interest rate: Unite formulary; by Chinese people bank

Still borrow way: Optional choose is one-time repay captital with interest law and remand in installment law () of principal and interest waiting for the forehead, capital waiting for the forehead.

Detail of Chang'an car loan?

Ease moves PLUS car to fasten 30% to pay 2.19-3.12 10 thousand, 36 period reimbursement, the month rises for 1538 yuan

Does the car borrow money head pay highest how many? Can in order to be 60% arrive 80% between?

Car loan needs 20% above, the demand of the unit that files loan according to you may rise somewhat, general 30% . If your financial condition and economic actual strength do not have the level that reachs this company, may be raised again by the requirement so head pay. When you apply for loan, fill in generally speaking 30% OK. Head pay more or less to contact directly at car price, basically be loan unit should control a venture. For instance, you head pay 20% , so loan unit is about to pay the loan of 80% to give you, in case you do not have reimbursement, that he with respect to the loss 80%; if you head pay 40% , his risk has 60% only. Additional, the more or less should treat unit of your place loan interest rate condition of lunar reimbursement, interest rate circumstance every unit is different, and the loan time that sees you even. Time grows interest rate more taller.

How is car loan borrowed?

Can ah. Just borrowed money to buy to wife last month. Good car E borrows application, applied for that day, that day with respect to loan, very fast. And need not resemble bank loan is so troubled before, need refers all sorts of assuring proof of what, 150 thousand the following, a piece of Id is OK. Also won't make unit pay a return visit. The model is more, without giving thought to the Lang Yi that the SUV that our man likes or girls like, Polo has privilege of 0 interest rate, return pretty appropriate.

Requirement of good car loan?

Average car borrows offerred data to be running water of card of Id, driver's license, house property, bank, income to prove to wait can, have some of simple procedure, a piece of Id goes.

What is car loan object?

Buy the user of the car, the choice borrows money, this part client is the object that the car borrows money.

Interest of auspicious car loan how many?

Active car loan is to not have of breath, it is the poundage with certain collection only