It is easy to see that on our way to work, some people drive hundreds of thousands of Volkswagens, and some people drive two or three hundred thousand Mercedes-Benz BMWs. We're all deep down, longing for how nice it would be for me to get in these cars. Of course we have to calculate. What is our monthly income, can we drive 300,000 cars? Check your payroll to see if you've achieved it?
300,000 operating precautions: If I am willing to drive a new car, I spent 300,000 yuan in the 4S store, I have to go to the vehicle management office to register the new car. Insurance premiums are payable at the time of registration. For new cars, both premiums and third insurance are compulsory. Coupled with car loss insurance, the annual expenditure is about five thousand yuan. There is a big relationship between the insurance premium and the car brand, if it is a luxury car level, the annual insurance premium is a very large amount. So some old drivers said: "When driving on the road, you can't walk behind luxury cars." If something happens, we can't afford it. So how much of a monthly salary can drive a car of 300,000
First of all: the normal down payment of 300,000 cars is calculated at half, the loan is 150,000, and the bank currently pays about 12 percentage points of interest in 3 years. This means more than 4900 yuan per month, and 5000 yuan for small. The second is the issue of gasoline costs. Oil is generally added 3 times a month. 300,000 cars consume up to 12 liters of fuel per 100 km. The gasoline used is the same as the 200,000 models. Traveling 20,000 kilometers costs 18,000 yuan per year. The same insurance premium is also higher than before, which can reach about 10,000 yuan. The three maintenance costs are also 2,000 yuan at a time, a total of 6,000 yuan. The total cost of zero totals 38500 yuan, an average of 3210 yuan per month. Parking fees also bother a lot of owners. There are two main ways to park the car. One is to buy your own parking fee, and the other is to rent a parking space. The difference between the two is still obvious. The purchase of ordinary parking spaces basically costs about 100,000 yuan. If you lease it, it is about seven or eight hundred yuan per month. There is also a car wash fee. It only costs twenty or thirty yuan to wash the car once, and it costs a thousand yuan a year. In addition, for a beginner in the automotive industry, the ticket of the police must also be dealt with. Beginner drivers must increase psychological stress and technique, and if they are not careful, they will make a "contribution" to the fine.
Calculated down, the monthly income is 5,000 yuan, the fuel and maintenance fee is 3,000 yuan in January, the car wash fee is 200 yuan, the fine is 300 yuan, and the monthly income is about 9,000 yuan this month. People with a monthly income of about 10,000 or more can drive about 300,000 cars. Check the payroll to see if you've achieved it, and modern young people tend to choose a down payment when buying a car. Because I just went to work, bought a car, paid the full amount, the pressure on my parents was a little big, and I didn't necessarily save the full amount everywhere. Now most 4S stores support installment payment, although there is interest, but 1 month can also be a little less hard. However, before buying a car, you must consider the value of the car and your own situation to choose a car. Modern young people are increasingly fond of 300,000 cars. Because 300,000 cars, both from the car itself and from all aspects of themselves are good decisions. However, compared to our worksheets, only a few people can buy it. Some are civil servants who have stable jobs, salaries and five social insurances and one gold are harvested every month; in addition, there are others who are in business. They sometimes make a lot of money, sometimes they lose money, but they can buy about 300,000 cars during the career upswing. Some programmers, executives, etc., with salaries of more than 10,000 yuan, can buy a car of 300,000 yuan to maintain face and prepare for marriage.
The closing phrase "it is easy to buy a car, it is difficult to maintain a car" is a popular phrase among the car buyer population, and it is not difficult for many people to buy a car now, but many car manufacturers and car companies are giving people more and more amplitude. Therefore, more and more people are buying cars with zero down payment, and more and more people want to pick up cars even if they don't have much money in their pockets. When you get the car, the down payment is zero, but no one knows whether you can afford the subsequent repayment and the cost of raising the car, so it is clear whether to buy a car for 300,000 yuan.