Many post-90s young people have graduated from college and started to work in the workplace. A few years later, they have a lot of savings, so they came up with the idea of buying a car. After all, everyone else has bought a new car, and it ’s too shameless to take a bus or crowd the subway. In addition, nowadays, buying a car does not require a one-time payment, and only a tens of thousands of yuan down payment can be used to drive the car home, and many people are excited. But no matter how the payment method changes, when buying a car, you still have to decide according to your financial ability. Today we will talk about how much monthly salary you dare to buy 150,000 cars?
There are many types of cars today, with about 150,000 models including popular models such as Toyota Corolla and Volkswagen Lavida. If you choose to buy a car of about 150,000 yuan, the down payment will be 50,000 yuan, and then you will have to pay a 3,000 yuan car loan each month. Now let ’s talk about how much the monthly salary can afford this car. It is another matter to buy a full car. If you plan to buy it in installments, you must consider it carefully. If your monthly salary is lower than this number, don't think about it any more, because the car is playing with you, making you dare not ask for leave, you dare not lose your job, and you ca n’t eat enough.
When buying a car, car insurance must be purchased. According to the recommendations of old drivers, general insurance and three-party insurance are generally purchased. The first year is 3500 yuan, and the average is 300 yuan a month. Then there is the fuel cost. For a car to save fuel, the monthly fuel cost also starts at 500 yuan. In addition to washing the car twice a month, it costs 100 yuan. The biggest expenditure is also car maintenance. Ordinary private cars do two small maintenance and one large maintenance every year, which adds up to 2,000 yuan. If the car usually has minor problems, it needs to be repaired, and it will cost 200 yuan a month.
The most important thing is that young people working in big cities still have a lot of living expenses every month. If you rent a house, you will get 700 yuan per month, and then purchase personal daily necessities, meals and various shopping expenses, which adds up to about 2,000 yuan per month. These costs together add up to 3,266 yuan, plus a monthly car loan of 3,000 yuan, which means that the car owner's monthly salary must reach 6,500 yuan to survive in a big city. However, living a "moonlight" life, in case of urgent matters, can not afford money.
Xiaobian short comment: Now most young people have the idea of buying a car, which is understandable. But when you buy a car, you must consider your financial ability. Do not think that you can drive the car home only by paying a down payment and buy a luxury car directly. If you do n’t need a car urgently, it ’s cheaper to rent a car than to buy a car. I do n’t know what people think about this?