Although the monthly salary of 5000 does not seem to be much, as long as it is not a moonlight family, it is still relatively easy to buy a car and drive.
For example, a pair of shoes costs 2,000 yuan, I can't afford to buy a pair in 1 month, and I still have a chance to buy a pair in half a year.
Rely on the family to buy a car in full, and can afford to drive a car of 200,000
First of all, if the family helps to buy a car in full, the monthly salary of 5,000 can drive a relatively good car. All we need to worry about is the cost of living and car maintenance.
The National Bureau of Statistics released a "Situation of Residents' Income and Consumption Expenditure in the First Three Quarters of 2021".
It says this: Among the per capita consumption structure of residents, the consumption of housing, clothing, food, tobacco and alcohol accounted for 58.9% of the total income.
Simply put: the cost of living is almost 2945 per month, and the remaining 2055 yuan is used for other expenses.
We've done it in a video before, "How much do you have to save for a 200,000 car?"
So to speak: a car of 200,000 yuan, counting parking fees, fuel costs, car washes, maintenance, insurance and other expenses every month, is almost 1909 yuan.
Therefore, if we spend all this money on cars, we can almost drive 200,000 cars.
You can only buy a scooter by taking out a loan from yourself
If the family can't help, relying on their own loan to buy a car, is the monthly salary of 5,000 enough?
How much does it cost to maintain a car
Let's first calculate how much the most common scooter costs to maintain a car every month.
Fuel consumption is 5L/100km, is it low? Right? A year to open a 15,000km, 92 gasoline 7 yuan / L calculation, the annual fuel cost of 5250 yuan.
Maintenance 300 once, 5000km maintenance once, 15000km 900 yuan; insurance is almost 2000 yuan per year, really to a very cheap calculation; parking fees, fines and car washes, 400 yuan per month can not run away.
In other words: at least 1,079 yuan is spent on the car every month.
The maximum monthly car loan is only 976 yuan
In addition to what I just said, the cost of living of 2945 per month means that the cost of car loans per month is reduced, and the maximum car loan can only be reduced by 976 yuan.
We calculate according to the down payment of 30%, the loan is 3 years, the interest rate of 3 years is 12%, and we can only buy a car with a maximum price of 44816 yuan.
At this price, in addition to Wuling Hongguang and second-hand cars, it seems that it is indeed impossible to buy a particularly stable and reliable new car.
Three years of savings can buy about 80,000 cars
But it should be noted that we are here to calculate the price of the car backwards, and the down payment is actually only 13445 yuan.
For friends with a monthly salary of 5,000, this down payment is actually low.
Referring to the 2021 China Pension Prospect Survey Report jointly released by Fidelity International and Ant Wealth, in 2021, the savings ratio of the younger generation will be 25% of the monthly income.
The monthly salary is 5000, basically the average monthly savings of 1250, 1 year is 15000.
Therefore, if you save money for 3 years and then buy a car, the down payment can reach 45,000. The same monthly payment of 976, loan for 3 years, almost 50% down payment, buy a car of about 80,000.
Of course, we are theoretically calculating this, and in reality you can't do it fully and come so tightly.
Towels are wrung until they break, right? Spend all your 3 years of savings, and it is best to have some money left in your pocket to make an emergency.
People living in big cities should still be cautious when buying a car
Moreover, if you live in a big city, the cost of living is obviously much higher than just said, and the rent, Internet fees, and supper are actually a bit powerful.
Take Hangzhou, where I live now, the Max Institute released a "2021 China Undergraduate Employment Report".
The above said: The average monthly income of fresh graduates in Hangzhou is more than 6,000 yuan, and the cost of rent accounts for 32%, that is, more than 2,000 yuan is spent on renting a house every month.
Therefore, in this case, a monthly salary of 5,000 is not recommended to buy a car, or find a way to make more money is more realistic.
In the average city, it is easy to buy a car for a monthly salary of 5,000
In general, in the general city life, the monthly salary of 5,000 to buy a car is still relatively easy to achieve, as long as 25% of the income is saved every month, after 3 years, you can afford to buy 80,000 cars on your own.
And buying a car, not only can you afford to drive, but also will not let your original quality of life have declined.
Should a newbie buy a new car directly, or buy a used car
If you think that the money for buying a car and buying a new car is not enough, or that the car is not good enough, can you consider buying a second-hand one?
When buying a used car, how many years of age is the best deal for the buyer?
Ever wondered about this? Why does the car dealer take it back every time the used car is torn up, and the pick-up is so engaged that it looks like new?
Obviously, the car of 8 years looks like it took 2 or 3 years, what is the trick?
Keywords: used cars
To know these is very simple, pay attention to the WeChat public account "spare tire car", reply to the keyword "used car" can be seen.
My public account will give you a piece of practical dry goods for the car every day, text, audio, video are available, pick your favorite version on it, "spare tire said car" waiting for you to play Oh.
bibliography
[1] Residents' income and consumption expenditure in the first three quarters of 2021. Nbs
[2] 2021 China Pension Prospect Survey Report. Fidelity International Ant Wealth
2021 Employment Report for Undergraduate Students in China. Max Institute