What budget do I need to make to buy a car?
1, the purchase of car: is the purchase of the car itself money, commonly known as the "naked car price". Car companies have a guide price for each car, and the 4s store will make certain fine adjustments according to the market sales of this car, as well as its popularity, sales tasks, etc. For ordinary family cars of about 100,000 yuan, they can generally be discounted by 5,000 to 10,000 yuan, and some models may be more discounted. Of course, there are also a very small number of popular models newly listed will be sold at a higher price, we generally just need to wait and then buy, basically will not increase the price or even enjoy the discount.
2, purchase tax: purchase tax is a mandatory item, its calculation formula is the purchase price / 1.13. For a family car of about 100,000 yuan, the purchase tax is about 8850 yuan. It should be noted here that the purchase price refers to the price on the invoice, not necessarily the actual transaction price. Generally speaking, 4S stores will recommend that you lower the price on the invoice, which can save some purchase tax and insurance costs. If our car is only for our own use and there is no plan to change the car in a short period of time, it is no problem to issue a low invoice, which can indeed save us a little money. The biggest risk of this is that your car has a major accident and needs to be scrapped, and the insurance company's compensation price is calculated according to the fare. If you ignore this, it is still worth it.
3, insurance costs: generally the first year of insurance for new cars should be paid in the 4s shop, the cost is relatively high, and the 4s shop can get a part of the rebate. The vast majority of 4s shops, if you don't buy insurance in the store, don't even sell cars to you. New car insurance is generally enough to buy compulsory insurance, third-party liability insurance, car damage insurance, other types of insurance can not be bought, these costs are about 5,000 yuan. After that, the insurance does not have to be paid in the 4s store, it can be a little less, but it is at least three thousand yuan per year.
4. Vehicle and vessel tax: While buying a car and buying insurance, the vehicle and vessel tax for the current year will be paid. China's vehicle and vessel tax is calculated according to the engine displacement, and the lower the displacement, the less the vehicle and vessel tax. Generally, ordinary family cars, engine displacement of less than 1.6L, vehicle and boat tax is 420 yuan. Different cities vary slightly.
5. License fee: The car also needs a little fee to register with the license at the vehicle management office. If you do it yourself, you only need a few dozen dollars. However, many people are not familiar with this process, will run a lot of wrong roads, delay a lot of time, so it is generally handled by 4s stores, the cost is about a few hundred yuan. Now it should be directly in the 4s store, so this fee is not needed.
6, decoration costs: the new car is not any decoration when leaving the factory, we generally have to paste a film in the later stage, and then buy a set of seat cushions, a set of foot pads, other such as steering wheel covers, modified audio and other non-essential is not counted. Generally, 4s stores will give you film and foot pads, and the grade is relatively low. If you can't see it, you need at least two thousand dollars to do these decorations yourself.
7, refueling costs: when the new car leaves the factory, there is only a very small amount of gasoline, the first thing we do after picking up the car is to refuel, and in the later use of the process to keep refueling. Taking the current oil price as an example, the average family car costs about fifty cents per kilometer of oil, and driving 10,000 kilometers a year requires about five thousand yuan of oil money. The long-term trend in oil prices now is to continue to rise, and if you're feeling a hard time refueling, you're not there yet to reach the level of consumer cars.
8, maintenance costs: the car is a consumable, in the use of the process of some consumables need to be replaced regularly, such as oil, antifreeze, brake oil, tires, transmission oil, air filter, air filter, air conditioning filter, gasoline filter, spark plug, etc., in the six-year cycle to calculate, the average to about two thousand yuan per year. In addition, if the car has a traffic accident, or accidental damage, etc., it also needs to be repaired, which depends on the specific model. Therefore, it is very necessary to buy a car with a low failure rate and high reliability.
9, parking, violations, car washes, traffic accidents and other costs: now the major cities parking is a problem, driving on the road is also a high-risk thing, inevitably there will be violations, parking and other costs; as well as the car's daily car washing, beauty and other costs; if a traffic accident occurs, although there is an insurance company pocket, but there will be the cost of dealing with the accident and temporary rental of vehicles and other costs, these money can not be estimated, but we should leave a little car reserve money!
In addition to the purchase price, the above total costs add up to about 20,000 yuan. Therefore, if we are a car purchase budget of 100,000 yuan, we can only look at models with naked cars priced below 80,000 yuan. In addition, if it is not very necessary, individuals are not recommended to take out a loan to buy a car, and there will be various intangible fees waiting for you in the later stage. There is also the fact that after buying a car, you have to leave a little money as a reserve fund as an emergency expense.