When I returned to my hometown during the New Year, my Chaoshan friends were asking me: I have an annual salary of 100,000 yuan, and I don't provide a house for myself, can I buy a BMW of 300,000 yuan?
Good guys, Chinese's desire for the BBA is as strong as ever. Speaking of some digressions, I am indeed very envious of the "secluded" chaoshan small circle in the third and fourth-tier cities, almost most people have a big house to live, and the annual salary of office workers of 100,000 can live a tasteful and comfortable life in small cities.
But when desire increases, the quality of life begins to decline. 100,000 annual salary, buy 300,000 cars, the expenditure is 3 times the income, some people also said, ordinary people buy a car, the car price generally does not exceed 0.86 times the annual salary! Why? I'm going to do the math today and help my friend answer this question.
First of all, bmw that can be bought with a budget of 300,000 yuan, currently comprehensively sees the 2022 BMW X1, and the guidance price is 279,800-333,800 yuan. The price of the 1.5T version is much lower, but considering the needs of young people for displacement, and usually talk about "three cylinders" discoloration, so choose a model above 2.0T to do a simple analysis. According to the current terminal discount, the 2022 sDrive25Li leading model can land at about 300,000, while the top 2022 xDrive25Li premium naked car price has the opportunity to talk about 300,000.
For car calculations
According to the official website to calculate the guide price, the leading type is 309,800 yuan, which can be repaid in 5 years. The down payment of 30% is 92940 yuan, the monthly payment is 4282 yuan per period for 60 installments, and the one-year car supply fee is 51384 yuan. Because the preferential policies vary from region to region, prices fluctuate.
Insurance calculations
In addition to providing cars every year, providing insurance is also a lot of money. First of all, the compulsory traffic insurance to be bought is 950 yuan, and the second is that the commercial insurance is calculated by a compensation limit of 100,000 yuan, and the first year premium is 9250 yuan. Taken together, the first year of the total insurance cost is in the early 10,000s.
Let's be lucky every time you are on the road, you can play a 85% discount in a year without insurance, and the insurance cost can be reduced to 8812 yuan in the second year, it is worth mentioning that some insurance companies will also give you high rebates.
Car maintenance cost calculation
1. Maintenance
It is said that it is easy to buy a car and it is difficult to raise a car, and the premium of BMW that is pampered is higher than that of ordinary brands. The reference price for small maintenance of BMW X1 is 924 yuan, and the reference price of large maintenance is 3265 yuan. According to the estimated price, the maintenance cost of the first 60,000 kilometers is 12,567 yuan. With an annual driving distance of 15,000 kilometers, the average annual mileage is 3141 yuan.
2. Oil costs
Bmw X1 is equipped with a 2.0T+7-speed dual-clutch transmission, drinking No. 95 oil, and the official comprehensive fuel consumption is 7.2L.
Also calculated according to the annual driving range of 15,000 kilometers, combined with the recent Oil Price of Shenzhen No. 95 of 8.51 yuan / L, the annual fuel cost of BMW X1 is about 7.2L x 8.51 yuan x (15÷100) = 9190.8 yuan.
It should be noted that everyone's driving habits and annual mileage are different, so there will be a big deviation in fuel consumption and fuel costs. However, not many people can do the official measurement of 100 kilometers of fuel consumption, and the recent oil price has indeed risen so fiercely!
3. Other car maintenance fees
In addition, car wash fees, parking fees, illegal fees, highway tolls, etc. are also unforeseen expenses. Parking fees are better in small cities in the third and fourth tiers, and there is basically no need to spend money on having their own parking spaces at home, but two thousand yuan a year is essential.
The car wash fee, to 50 yuan per car wash, I will only wash the car once a month, and you will have 600 yuan a year. High-speed fees and violation fees depend on individuals, estimated at 800 yuan.
summary
You see, in addition to the down payment of 92940 yuan when it is your deposit, other total costs we will add a plus: a year for the car 51384 yuan + a year insurance premium 10200 + maintenance costs 3141 yuan + fuel costs 9190 yuan + other costs 3200 yuan = 77313 yuan.
100,000 annual salary, you buy a car after only less than 23,000 can be spent, although eating and drinking can be at home, but buying things, social contacts, occasionally do something else, "Nian Guang family" does not say, overdraft consumption is possible. Although it is said that timely fun is an attitude to life, but the car is a gold-devouring beast, but also a consumable, put most of the income on this, you will definitely reduce the quality of life, over time, BMW can not make you happy, but has become your burden.
The opening text said: When buying a car, the price of the car is preferably 0.86 times the annual salary. We calculate the car loan, the annual salary is 100,000, buy 86,000 cars, the down payment is 25,800, and the monthly payment is about 1254 yuan in two years, and it only needs 1500 yuan a year. This number allows you to save money without sacrificing any other quality of life.
However, 86,000 cars may not be enough for you, and rationally, the price of the car can be increased to 1-1.5 times the annual income, that is, choose a car of 100,000-150,000. The people who are passionate about consumption will raise the car price to 1.5-2 times the annual income at most, that is to say, the maximum should not exceed 200,000. Otherwise, it is a blind purchase of a car!
So, friends with an annual salary of 100,000, if your family is not collecting rent, the family conditions are only average, don't think about 300,000 BMW anymore! Look at Xuan Yi and Corolla.
Finally, the question is, how many times your annual income is the car you buy? Leave a message to discuss it!