Automobile installment sales calculation table (with equal monthly repayment interest way)
1Formula: each principal amount of the loan principal / = repayment periods (months or seasons); each should also interest on the remaining principal x = last month loan interest rate.
2 owed 10000 yuan should also amounts calculation table:

The repayment period   The amount owedMonthly pay car  Monthly interest rate    The total amount of interestMonthly pay interest  The total amount of repayment  Monthly pay
It's been 6 months      10000    1666.666  0.465    163.4680 27.2446    10163.468 1693.9114
It's been 12 months     10000   833.333   0.487    319.467  26.6222    10319.467 859.9556
It's been 18 months    10000   555.5555   0.495    476.9220 26.4956    10476.922 582.0512
It's been 24 months    10000   416.6666  0.495    630.5550 26.2731    10630.555 442.9398
It's been 36 months     10000   277.777    0.495    942.206  26.1724    10942.206 303.9502

Attached: matching principal refers to a loan repayment, the repayment period, the monthly repayment of the same amount of loans (including principal and interest).

Matching repayment law monthly repayment = (the loan principal x rate X (1 + monthly interest rate) loans month number) / ((1 + monthly interest rate) loans month number) - 1

For example:If a borrower to obtain a sum of 200000 yuan of individual housing loans from banks, the loan period of 20 years, the loan interest rate 4.2 ‰, the monthly repayment of principal and interest. According to the calculation of the above formula, the monthly repayment of principal and interest and for 1324.33 yuan.

　　The results give only cope with the monthly interest and, therefore need to decompose the principal and interest and. Still more cases as the basis, one month as a period, the first period of the loan balance of 200000 yuan, shall pay interest on 840 yuan (200000 × 4.2 ‰), so only the return of the principal 484.33 yuan, still owe 199515.67 yuan of bank loans; second period shall be the payment of interest 837.97 yuan (199515.67 × 4.2 ‰), to the principal 486.37 yuan, still owe 199029.30 yuan of bank loans, and so on.
For example: some brand car sales price of 187500 yuan, the first pay 100000 yuan, 87500 yuan balance. Two years (24 months) to pay.
Calculated as follows:
Car total = 87500 yuan monthly: 3646
The total amount of interest = 8.75 * 630.555 = 5517: 230 month
The total amount of = 93017 yuan monthly: 3876
Monthly pay 3646 yuan of capital, interest 230 yuan, total 3876 yuan.

Calculation method of payment of insurance premium

One, vehicle insurance billing loans (seven cases to be) the value 150000 yuan car insurance premiums are as follows
1 the vehicle damage insurance vehicle price × 18 ‰ 2700
2 the third party liability insurance (in the limit of 100000 yuan as an example) 1620 × 90% 1458
3 passenger liability insurance (per person limit of 100000 yuan) 100000 × 0.9 ‰ x 4360
4 the driver seat liability insurance (limit of 50000 yuan) 50000 × 5.4 ‰ 270
5 the whole car robbery vehicle price × 16 ‰ 2400
6 spontaneous combustion risk of loss of vehicle price × 4 ‰ 600
A total of 7788
IC card preferential (3%) 233.64
The actual payment of insurance premium of 7554.36

Two, personal auto loan guarantee insurance billing
(the value 150000 yuan car three years to 70% loan for example)
Loan: loan amount x 150000 x 70%=105000 1.05 x 1.2% 1323

Three, a total of 8877.36 pay insurance cost