Now more and more people are buying cars. I believe everyone will know about buying cars at home to avoid being fooled by sales when going to the 4S store. When buying a car, sales often say some terms, such as tax, naked car price, insurance, guidance price, comprehensive service fee, etc. you may be a little confused when you hear this. In fact, when buying a car, it simply means landing price = compulsory insurance + naked car price + vehicle and vessel tax + commercial insurance + vehicle inspection and licensing fee. Let's find out what it costs to buy a car!
Car guide price: This is the recommended sales price given by the car manufacturer to the 4S store. This price can be found on the manufacturer's official website. A long time ago, the car manufacturers' guidance price was basically the market transaction price. The car market was hot. 4S stores basically sold according to the guidance price, and some cars also increased the price. However, with the increasingly fierce market competition, the guiding price of automobile has become nominal. It is basically synonymous with the configuration model! For example: is there a configuration with a guide price of RMB XX million?
Naked car price: it is also the transaction price. As the name suggests, the naked car price is the price of the vehicle itself. However, due to different models, there will be some preferential amounts to varying degrees, and the price will fluctuate up and down. Of course, the naked car price also includes tax, 17% of the value-added tax. The price of this naked car is also the focus of bargaining when buying a car. The price concessions of businesses are different for various reasons, but there are also some popular models without concessions, or even price increases!
Vehicle purchase tax: it is a tax levied on units and individuals who purchase specified vehicles in China. It evolved from vehicle purchase surcharge. For imported cars, the purchase tax is the taxable price multiplied by the tax rate of 10%. If it is a domestic vehicle, the purchase surtax is 10% of the vehicle price excluding value-added tax, that is, the vehicle price (including value-added tax) & pile; 1.17× 10%。 It is worth mentioning that by the end of this year, the purchase tax of vehicles with displacement of 1.6 liters and below was 75%. However, this algorithm is only for reference, because the vehicle discount is changing. It depends on the minimum collection amount of this configuration in the national tax system. There is a minimum amount for purchase. If the price calculated according to your preferential price is lower than their minimum amount, pay the purchase according to the minimum amount. You can discuss with the store and refund more and make up less according to the purchase tax invoice! If you are really worried, you can pay this purchase tax yourself!
Automobile insurance: in addition to the compulsory transportation insurance that must be purchased by the state compulsory motor vehicle owner, other motor vehicle insurance is divided into two categories. These two types of insurance include two types of basic insurance: one is basic insurance, including vehicle loss insurance and third-party liability accident insurance, and the other is additional insurance voluntarily insured by vehicle owners, mainly including whole vehicle theft and rescue, on-board liability insurance, separate glass breakage insurance, spontaneous combustion loss insurance, special insurance without deductible, etc. But now the unspoken rule of the general 4S store is that the more you go, the better!
Vehicle and vessel tax: Generally speaking, vehicle and vessel use tax is paid together with insurance, but in fact, it is also a property tax paid by the state. According to the models with different displacement, the payment standards will be different in different provinces. However, at present, the purchase of new energy models can be exempted from vehicle and vessel tax.
New car inspection and license plate fee: after paying all taxes and vehicle insurance, you have to go to the vehicle management office to get the license plate. At this time, you need to pay the new car inspection fee and license plate fee (the cost of license plate). Because local policies and charges are different, the specific costs are also different. Take Beijing as an example. If you apply for a license plate yourself, the vehicle inspection fee is 110 yuan and the license plate cost is 130 yuan, totaling about 240 yuan. The 4S store is entrusted, usually about 1000 to 1500 yuan.
Service fee: Generally speaking, this service fee is only available for loans. In fact, it means that they have to earn an extra penny through loans from 4S stores. In some areas, there are renewal deposits, GPS and other items. This is also the focus of bargaining, because there are no standards and there are many arbitrary charges! Some full payment will also have service fees or delivery fees. In fact, these fees are unreasonable. You can only turn to several more companies to see if they don't charge or charge less!