Buying a car requires more than just the sticker price or monthly installment. You must budget for the down payment, vehicle purchase tax, initial insurance, registration, and loan interest.
This calculator computes your full upfront cash requirement, monthly car note, total interest paid, and the total cost of ownership across the entire financing period.
Frequently asked questions
What is a typical down payment for a car loan?
Most buyers put down 20% to 30%, which lowers monthly payments and keeps negative equity risks minimal.
How is vehicle purchase tax calculated in China?
Generally calculated as: Sticker Price ÷ 1.13 × 10% (around 8.85% of invoice price).
中文说明
买车不仅要看裸车指导价或月供，更需全盘考量首付、车辆购置税、首年车险、上牌杂费与贷款利息等全部开支。
本计算器帮您全面算清提车所需的首期落地总现金、每月实际月供、贷款利息总额以及全周期综合购车支出。
常见问题
汽车贷款首付比例一般是多少？
通常为 20%~30%，适当提高首付可减少利息开销并降低每月月供压力。
国内汽车购置税怎么计算？
按计税价格的 10% 征收，即 裸车开票价 ÷ 1.13 × 10%（约合裸车价的 8.85%）。新能源汽车在免征额度内可享受免税优惠。