🚗 Car Loan Calculator
Enter vehicle price, down payment, and interest rate to calculate monthly payments. Compare terms to find the best financing option.
🚗 Car Loan Calculator
Calculate monthly payments based on vehicle price, down payment, and interest rate
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Results
Loan Amount
¥20.8万
Monthly Payment
¥3,906
Total Cost
¥28.6万
Total Interest
¥2.6万
📊 Term Comparison
| Loan Term | Monthly Payment | Total Cost | Total Interest |
|---|---|---|---|
| 24months | ¥9,107 | ¥27.1万 | ¥1.1万 |
| 36months | ¥6,215 | ¥27.6万 | ¥1.6万 |
| 48months | ¥4,771 | ¥28.1万 | ¥2.1万 |
| 60months | ¥3,906 | ¥28.6万 | ¥2.6万 |
| 72months | ¥3,331 | ¥29.2万 | ¥3.2万 |
📊
¥26.0万 Car Loan Result
¥3,906 / month
60 months, 4.8% | Total interest: ¥2.6万
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💡 Car Buying Tips
- Bank auto loans are usually 1-2% lower than dealer financing.
- 36-48 month terms offer good balance between payment and interest.
- Used car rates are typically 1-3% higher than new cars.
🔗 Related Calculators
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。