How much is BMW x5' s monthly salary of 400,000?
The loan interest rate of BMW X5 is generally between 4.9% and 6.2%. Taking 5.5% as an example, the monthly repayment amount is: 400,000 ÷ (12× (1-(10/0.055 ÷ 65435)).
How much is the new BMW x5 mortgage?
According to the market price of the new BMW X5, it is about 467,500. We can use it as collateral for deduction, and lend the loan amount below 50 yuan.
Is the interest rate of BMW Finance x5 car loan high?
BMW Finance x5 car loan interest rate is high.
The financial interest rate of BMW 202 1 is related to the loan term. The longer the loan period, the higher the financial interest rate of BMW. Generally speaking, if it is only a short-term loan, the loan for less than six months only needs to pay 6. 1% interest; Interest of 6.56% is required for the term of 6 months to 1 year; If the loan term is one to three years, BMW's financial interest rate is 6.65%; If it is a loan for more than three years and less than five years, it needs to pay 6.9% interest; If it is a loan for more than five years, you need to pay 7% interest.
Can BMW X5 get a loan by installment?
BMW X5 can be purchased by installment loan. But with something as collateral, the more down payment, the less payment. The minimum down payment for BMW X5 should reach 20% of the car price. Recently, foreign media exposed the latest spy photos of a brand-new BMW X5 road test in newberg. It is understood that the new car will be a new generation of the current model, and the body size is larger than the old one. It is expected that the new car will be launched at the end of 20 13. Basically, the size of the new BMW X5 has not changed. This is just a minor change, not a replacement model. Therefore, we can boldly judge that even if the size of the new BMW X5 changes, it will not change much. The new BMW X5 is still the standard large SUV. Because of the ingenious design, it looks small, big and not bloated.
With an annual salary of 250,000, can you afford a BMW X5 with a loan?
The subject's annual salary reached 250,000 yuan, which is a fairly good income level, enough for the subject to live a comfortable life. If the subject wants to borrow money to buy the minimum edition of BMW X5, then he wants to buy the xDrive28i edition of BMW X520 18. Let's calculate whether it is affordable to buy the minimum BMW X5 version with the current income of the main body.
The annual salary of the project is 250,000, so the monthly income of the project is about 20,000. The manufacturer's guide price of BMW X520 18 xDrive28i version is 699,900 yuan. If the owner chooses a loan to buy a car, then the down payment of 30% is 209,970 yuan, and the amount of the loan required by the owner is 489,930 yuan. Suppose the term of the underlying loan is three years, and the monthly repayment amount is 14739 yuan. In other words, after the owner pays off the monthly payment of BMW X5 every month, the residual income is about 5,300 yuan.
In addition to the monthly payment, the subject also needs to consider the car maintenance cost of BMW X5. Assuming that the mileage of the main body is 1500km per month and the fuel consumption of BMW X5 is about 10L per 100 km, the fuel consumption of one month is about 150L. Now the price of No.95 gasoline is almost in 7.3 yuan, so the monthly fuel cost is about 1095 yuan. After deducting the oil fee, the residual income of the main body is about 4200 yuan. And the subject definitely needs to buy insurance for the vehicle, so let's calculate the commercial insurance part. The subject needs to buy 1 10,000 third-party liability insurance, vehicle loss insurance, vehicle theft insurance and emergency rescue insurance, excluding special insurance without compensation, no-fault liability insurance, vehicle personnel liability insurance and water-related insurance. These commercial insurance costs add up to almost 1580 1 yuan, which is equivalent to almost 65438 per month. At the same time, the subject also needs to pay maintenance fees, parking fees and admission fees. And his own food, clothing, housing and transportation should also be guaranteed. In this way, the annual salary of the project is 250,000. If he chooses a loan to buy the lowest-priced BMW X5, he can't afford it.
Therefore, the author does not recommend that the subject choose to buy BMW X5, which has a great impact on your quality of life.
I am the owner of the BMW 3 Series. I bought the car six months after I graduated from college. At that time, my salary was 8000 yuan. So I hope my experience will help you.
First of all, in fact, many times, money is squeezed out. At that time, my point of view was that I could pay the down payment, so it should not be a big problem, and the monthly payment in the future would be a trivial matter. So I paid 30% down payment directly and drove the car back without thinking too much.
Secondly, after buying a car, it is actually a kind of motivation for us, thinking about how to earn back this month's monthly payment every day, so it has become our motivation. So don't worry about the monthly payment, the landlord still has an annual salary of 250 thousand, and the monthly income is reduced by 20 thousand, so the pressure should not be great.
Finally, we borrow money to buy a car, which is our daily expenses. One thing is certain here, that is, our life will be a little more frugal than before. Moreover, there are our daily fuel and parking fees, maintenance and insurance. These are the biggest problems, which should be considered by the landlord relative to the down payment and monthly payment.
I hope that the landlord can stop the BMW X5 as soon as possible and realize the man's dream of blue sky and white clouds.
The key to the car is that your annual salary is really not enough to buy X5. If you earn 1 million a year, you can consider it. Of course, my own suggestion is that if you want to borrow money to buy a car, you can at least double your annual salary. Many relatives around me run factories with an annual income of four or five million. Now they all cruise on land, Q7. In fact, when people's income and status reach a certain stage, the car is really just a means of transportation. I bought an Acura MDX and made a lot of money. Now the investment income is average, but my own money has become a shareholder of the company. At the end of the year, the company paid dividends, and I really regret not buying more properties. My friend bought it three or four times, but my Acura MDX can't sell for 80 thousand now. Talking too much is all tears. The economy does not allow you to buy a house. The better the car, the faster the depreciation. X5 will depreciate in three or four years, which is enough to pay the down payment for a house.
I'm the devil. I'll share.
Young people have ambition, courage and courage! But keeping a car is not enough. It depends on the money. Let me help you figure it out. Your annual salary is 250 thousand, even after tax. That's 20833. Okay, here's your income.
BMW X5, the lowest standard in China now is xDrive40iM sports suit, 759,900. Because it is a brand-new model, it sells well and there is no discount at present.
Buy by loan, even if it is a normal plan, the down payment is 30%, the loan is 70%, and the monthly payment is 16395 (probably this figure, because this calculator was not accurate in the fourth quarter of last year).
Insurance, since you want to buy it with a loan, the 4S store will definitely ask you to buy full insurance. The total insurance cost of this car in one year is almost 19750, and it will be lower if it is not out of danger before the second year and the third year. However, the stolen car should be mortgaged, about 12000~ 14000.
Fuel cost, the average fuel consumption of X 500 kilometers 12L or so, and the 95th oil is now in 7.3 yuan/liter. Suppose you run 15000 kilometers a year, and the annual fuel cost is 13 140.
The maintenance cost can refer to the maintenance price of the previous generation F 15X5, because the engine gearbox is the same. The total cost of X560,000 kilometers is 2 1522, and the average annual maintenance cost of15,000 kilometers is 5380 yuan.
Parking fee, toll, car wash fee and violation of regulations are fined 5,000 yuan a year, so if you keep an X5 and run 1.5 million kilometers a year, the cost is1.97501.31.4053805 million = 43270. An average of 3606 per month, which is the average monthly car maintenance fee. With your monthly loan repayment 16395, your monthly expenses on the car are almost 2000 1, and your monthly income is 20833, which means that you have to raise a car every month, so it is impossible to raise a wife by yourself.
Of course, the new X5 is for you, and the price is relatively high, but even if there are discounts or parallel imports, you are still struggling. I suggest buying a car or a car with an annual income similar to my own. When you earn 700,000 to 800,000 yuan, consider X5. If there are mines at home, forget it.
I am the devil, thank you for reading, thank you for your attention.
The annual salary is 25w, that is, the monthly salary is a little over 2w. Buy a BMW X5. This is definitely a loan. According to the bare car price of 63w, if the down payment is 30%, it will be paid for three years, with an average monthly payment of 1.5 million. If the down payment is 50%, it will be paid for three years. From this point of view, if the subject can pay more than 50% down payment, then the annual salary of 25w should still be affordable. Otherwise, the monthly salary will be used to repay the loan. Don't forget, there are usual expenses such as oil, maintenance and insurance.
I advise you not to borrow money to buy a car, because the car will always depreciate. Your annual salary is 251 thousand. If you get married, how much money will you have left after all the expenses of your family are removed? You can also say that. On Lunar New Year's Eve, that is, the 29th day of the twelfth lunar month, you can have 250,000 more savings cards than the previous year, and there is no debt outside. It's called an annual income of 250 thousand. Of course, this is only my personal opinion, so I suggest that you buy a car, and you can use 10%-20% deposit to buy a car. Cars are easy to buy now, but difficult to maintain. All expenses (insurance, maintenance, fuel, parking fees, tolls, maintenance fees, fines, etc.). A car with a capacity of about 300,000 kilometers a year is about 70,000 kilometers.
I suggest you buy another house. It is about 800 meters away from the subway entrance and should not exceed 1 km. Buy a second-hand house that does not exceed 10 a year. Buy the middle price, not the high price. Never mind other people's views on future housing prices. China has just entered a new era. We will always overdraw in the future, with a monthly increase of 0.5%. After ten years, the society will reach a new height, and Chinese civilization and Chinese world culture will be the only future for human governance, otherwise the third world war will inevitably come. At that time, "the house returned to rationality" but it was definitely much higher than now (even if the benchmark of first-tier cities was 200,000, it could drain the psychological water). What is the rationality of the future? Pluralistic and profound. Of course, you are not advised to enter the stock market. An X5 can make you so! Buying a house can offset some expenses by renting a house, remember. Do simple things, you should be about my age now, and you will be a late bloomer in ten years.
Although it is said that life is too short to eat, drink, and be merry, men all have a dream of driving a BMW, not to mention the x5, which is known as the best highway and suv in the world, but I feel that if the annual salary is 250,000, it is still a little stressful to borrow money to buy a BMW x5. In addition to the normal monthly loan repayment, we should also consider the car maintenance costs including insurance, maintenance, fuel costs, parking fees, car wash fees, tickets and so on. I don't know if the little friend who asked questions has any other fixed expenses, such as paying off the mortgage, raising children, supporting parents, etc. This is not a small expense. So let's calm down and try again. More income or slightly lower goals, such as x3 or 3 series. I hope you will reconsider.
Everyone has a luxury car dream. From the earliest Cayenne to the current Big G, luxury cars are not only a symbol of status, but also an external manifestation of strength. Driving BYD F0 is definitely different from driving Audi A6. People will know whether you are doing well by looking at what car you drive, so many people would rather borrow than buy a better car. I remember reading a joke before, when a boss opened LaVida to talk about business. As a result, the other party thinks that his company is not strong enough, and millions of businesses are ruined. Therefore, if you have the strength, you must have a luxury car. What happened to those who borrowed money to buy a luxury car? You can check your big data and risk assessment index on Alipay's "Wucha.com"
Cheyou all know that the advantages of loans outweigh the disadvantages. You can check your big data and risk assessment index on Alipay's "Wucha.com". For those who have the investment direction, they can use the money saved by the loan to buy a car to invest. In Qian Shengqian, the income is far greater than the loan interest. But for those who pretend to be fat and buy a luxury car to brush their faces, the result is really miserable!
People who listened to the 4S store before said that some people can look up their big data and risk assessment index on Alipay's "Wucha. com" to make Mei Zi laugh, and then mention Martha. And mortgage loans are now basically equal principal and interest. The more loans, the higher the interest. Repay the loan on time every month, and every night is a huge late fee and fine, and the result is tragedy. In the fourth month of repayment, the car was towed away and the credit report was destroyed because it was temporarily unable to repay. Therefore, some people drive fancy cars, but only they know the pain behind them.
In fact, to tell the truth, it is your choice to live in any way!
It may be because boys usually like cars and pay attention to a lot of information about cars. Not long after X5 went on the market, some professionals predicted that X5 2.0 would go on the market at the end of the second half of this year. This information is like an extended version of GLC, and it is predicted that/kloc-0 will be available at the end of August. Although it's late, nobody loves Mercedes. Wait and see, it's a good choice.
The price range of X5 2.0 should be around 65W, no matter how large the displacement is, it is also X5. With face, going out once in a while can also meet the demand for power. That's what I thought. I have to change trains when I get off at 2.0. Actually, the car is for daily use, and it won't be used for cross-country or anything. We are not cross-country enthusiasts, and the displacement of 2.0 is enough.
I hope it helps you.
So much for the introduction of BMW x5 loan.