Purchase a car -- what is the difference between the loan and all

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  • / Author: Aaron Lewis
Car loans and cash to buy the difference, car: Horse three 1.6 mark.
For 3 years the repayment of loans, Shoufu 30%, 115500 of the price.
   Payment: 35500
   Fees: 800
   A fair fee: 350
   Consumer credit points: 3515 (this is the credit cost)
   Renewal margin: 2000
   Repayment guarantee 2500 (renewal margin and repayment deposit according to the provisions of the time, in your repayment period after the return, the repayment margin for the first month of the repayment)
   It all added up, the first payment of the total price: 44665. The next step is added: the horse three hand labeled surcharge: 9873. Then the insurance: first of all to tell you, car loans, insurance must be in the credit management, does not allow for their own. It gives you what's what, of course, very comprehensive (you can't do in the credit, the price is not for you to handle, mortgage insurance is the people's Insurance Company)
   The project and the amount of insurance:
   Car damage: 2221.55
   Rob: 605.1
   Three: 1241
   Seat: 144
   Glass: 219.45
   Spontaneous: 173.25
   Non deductible: 540.98
   The specified repair: 666.47
   Cross strong insurance: 1050
   Travel tax: 480
   The total amount: 7341.8
   Special note: designated repair and glass insurance is optional, the other is must apply for the project. People's insurance proposal selection designated repair, and glass, out of things, more convenient. These are all money Shoufu must pay. All prices all together is the car payment: 61879.8 yuan monthly: 2469.5, a total of 3 years, total: 88902 yuan, Shoufu + for =150781.8 yuan, subtract 3 years after the return to renew the margin, and repayment margin =4500, the total price for the =146281.8 yuan.
   We have to see clearly. These figures are for installment in the Tangshan area to buy a horse, the total amount of three paid.
 

   Direct cash car price: the price of licence fee + + + additional insurance =133514.8 yuan, the insurance is in accordance with the above calculation. You pay the whole can be their own insurance, the price cheaper than the price. Loans and a full car price = loan prices - full price =12767 yuan

   Special tips: your insurance must be in the Credit Company for the loan period, that is to pay 7341.8 yuan insurance must annually.