Family income of about 500,000 yuan, want to borrow money to buy Mercedes-Benz S-Class? In fact, to be honest, it is not recommended that you go on, because with your family's income, millions of luxury is really a bit difficult. If you don't believe me, let's do the math.
Take the cheapest S350L, the 2022 S 400 L business model as an example, its market price is 917,800, but its landing price exceeds 1 million.
Loan fees
You have already explained that it is a loan to buy a car, the loan is calculated for 3 years, you need to make a down payment of 386,953 yuan + a monthly payment of 19,517 yuan (36 months) = a total of 1,089,565 yuan, which means that the annual cost of repayment alone has reached 240,000 yuan, which is not the end of it.
Fuel costs
Bought a Mercedes-Benz S-Class, can't always stop there, always have to drive out to show the pendulum, otherwise it is not equivalent to the night of the brocade? How many times a year do you have to run back to your hometown? Need for daily travel, right? Buy a Million Luxury Car, if you don't run, you will only lose more.
Mercedes-Benz S400L this 2.5T turbocharged engine, 100 kilometers of comprehensive fuel consumption of about 13, urban driving fuel consumption is even higher, we even if you run a year 15,000 kilometers, not much, to know mercedes-Benz S class at least to add No. 95 oil, according to the oil price of 7.5 yuan / liter, a year's fuel cost is about 15,000 yuan.
Maintenance costs
The maintenance cost of this Mercedes-Benz S-class is also not cheap, the most basic maintenance, that is, you change the oil machine filter, air filter and other accessories of the small maintenance will be 1388 yuan, but in general, the maintenance cost of buying Mercedes-Benz S-class is not low than this, because more maintenance will be done, including fuel additives, carbon deposits and so on. According to the basic maintenance calculation, the total maintenance cost of 100,000 kilometers is about 35,000 yuan, and the average annual maintenance cost is about 6,000 yuan.
Insurance costs
According to the calculation of 1 million third parties, car damage, deductibles, etc., plus vehicle and ship tax, traffic insurance, the annual insurance cost of this car is about 22,000 yuan.
Other expenses
The maintenance cost of mercedes-benz S-class is very expensive, but according to the insurance of all the car damage insurance, the maintenance cost is not included in the cost of car maintenance. But car wash costs, parking costs are necessary, you buy Mercedes Benz S-Class can not still park in the corner of the Gra handle? A month parking car wash 600 yuan is not much, if it is a first-tier city, the parking cost is much more expensive than this, a year adds up to about 7200 yuan.
All the costs add up, the cost of the Mercedes-Benz S-Class in a year is about 290,000 yuan, close to 300,000. And your family's annual income is 500,000, if the 500,000 do not pay the mortgage, no children go to school, and can barely get on the S400L, but if there is a four-horned money-eating beast in the family, or to repay the mortgage, this cost is very tight. In the case of your annual income of 500,000, buying this car will greatly reduce the quality of life.
Under normal circumstances, we still recommend that the price of buying a car does not exceed their net income of one to one and a half years, and it is best not to choose a loan to buy a car, so that the pressure will be much less.