买二手车贷款8万3年要多少利息

If you buy a second-hand car and choose a loan of 80,000 yuan, and repay it in 3 years, the monthly payment will be The interest rate is 7%, so the monthly repayment amount is 3,130 yuan. The calculation method is as follows: the principal of the car loan is 90,000 yuan, 3 years or 36 months, and the monthly interest rate is 0.7%. The monthly interest payable is 90,000 yuan multiplied by 0.7%, which equals 630 yuan. At the same time, the monthly principal repayment is the total loan amount divided by the number of months, that is, 90,000 yuan divided by 36, which is approximately 2,500 yuan. Adding the principal and interest, the total monthly repayment is 3,130 yuan.

There are several key points that you need to pay attention to when buying a car: First, confirm whether the merchant is providing zero-interest or interest-free loans while also giving discounts on the car price. Secondly, pay attention to the car loan processing fees. Although some loans may be interest-free, the processing fees may increase. Usually, car loan interest rates are calculated based on bank benchmark interest rates, which may rise. At the same time, car loans require the purchase of full insurance, which will increase additional pre mium expenses. Therefore, when choosing car loan services, consumers should compare carefully and give priority to regular car loan companies with good reputation and standardized services to avoid potential risks.