Will car loans become a burden?
There are many young friends around me who are more prone to impulsive consumption. When they ask me about buying a car, they often only mention that the deposit on hand is enough for the down payment and they are anxious to pick up the car. The most impressive post-90s youth saved 65,438+million yuan after working for three years, and bought a 3-series car with a loan for two years in a hurry. His monthly income at that time was about 10000 yuan per month, and the car loan was 7000 yuan.
How much do you know about car maintenance?
In addition to buying a car, maintenance costs are also inevitable expenses after buying a car. Like other luxury brands, the proportion of spare parts of BMW Five Series is 30%-50% higher than that of ordinary brands.
Of course, the cost of using a car is far more than that, but apart from the different grades of gasoline, the gap is not very big. The oil consumption of Series 5 is about 12 oil in urban areas, but compared with Passat's 1 1 oil, the gap with No.95 oil is not particularly large. If the premium is not out of danger for three consecutive years, the gap is not particularly large. To sum up, except the car price, insurance premium and maintenance fee, other expenses are basically determined according to the frequency of car use. According to the most common calculation of 2wkm a year, a 5-series car costs about 30,000-40,000 yuan a year. There is also the simplest way to say that the annual car maintenance cost of driving instead of walking is 10% of the car price, which is actually similar.
Generally speaking, we spend an average of 5000- 10000 more on a luxury brand every year in a complete car purchase cycle without considering the car loan, so the owner must do what he can according to the actual situation.