买二手车贷款5万三年利息一般多少

About the loan plan for a second-hand car worth 150,000 yuan

Purchase For a second-hand car worth 150,000 yuan, after a down payment of 50,000 yuan, the choice of loan installment will affect the monthly payment amount. If you choose a 3-year loan, the monthly payment is approximately 1,388 yuan, and the annual interest rate is 12%. However, the 150,000 loan provided by Ping An Puhui Auto Loan is repaid in three years, with a monthly payment of 60,614 yuan. Although the interest rate is not explicitly mentioned, it is said to not be considered a loan shark.

There are two loan methods: equal principal and interest method and equal principal method. The monthly payment of the equal principal and interest method is 15,210 yuan, of which the first month’s principal is 12,710 yuan and the interest is 250 yuan. At the end of 3 years, the final principal amount was 15,153 yuan and the interest dropped to 57 yuan. In total, the principal will be repaid 50,000 yuan within 3 years, and the total interest will be 4,754 yuan. Calculated based on an annual interest rate of 5%, the total loan amount will reach 1.15 million yuan, and the monthly payment is 4,486 yuan.

Please note that the above data is as of April 30, 2022, and the actual repayment conditions may change. Therefore, it is recommended to refer to the latest policy published on the official website of China Merchants Bank.