What is the monthly salary for people to buy a car?

How much can I buy a car with a monthly income? What is the most cost-effective way to take a taxi, rent a car or buy a car? How much does it cost to keep a car a year? These are the problems that prospective car owners consider the most. The fuel consumption of the vehicle, how to insure the vehicle, the maintenance cost of the vehicle and how much it will cost to drive on the road have always been the focus of people's attention. A few days ago, this newspaper conducted an investigation on the above issues.

How much can I buy a car with a monthly salary?

Male angle

Wang Wei, a married media clerk, is 30 years old.

Current deposit: 90,000 monthly income: 3,000 yuan, plus business commission and year-end bonus, the annual income is about 50,000 yuan.

Car purchase concept: I worked for 7 years and changed three jobs. Because of the great job mobility, I don't want to buy a house, but would rather rent a house. My wife is a middle school teacher. She basically ate up her monthly salary and saved all her money. I can't bear to watch my wife squeeze the bus to work every day because I have to run a business. I want to buy a family car of about 80 thousand.

Female perspective

Kitty, an unmarried insurance salesman, is 24 years old.

Current deposit: 30,000 monthly income: 30,000-50,000 yuan per year, including business commission and bonus.

Car-buying concept: Due to the working relationship, customers must be contacted frequently. With short working hours and little savings, it is basically impossible to buy a house. And cars can bring direct income. Besides, we are in love now, and the man should be responsible for buying a house. I'm going to buy an economical car with a small displacement, and it will be decent as a dowry when I get married. Expert opinion: How much can I buy a car with a monthly salary?

In principle, there is no fixed ratio between annual household income and car purchase price. The consumption habits and burdens of each family will affect the consumption direction and ability, such as housing situation, children's education, car purchase purpose and so on. At the same time, the cost of car maintenance after buying a car should also be considered in advance.

Professor Tao from the Economics Department of Hunan University of Commerce told the reporter that, according to the usual practice, household consumption consists of disposable consumption, disposable consumption and savings, among which housing, education, various insurances and household use are all non-disposable. Therefore, the funds for automobile consumption usually only account for one third of the monthly income. The daily car consumption is about 1200 yuan per month, so consumers with personal income of 3,000-4,000 yuan can consider buying an economical car. At the same time, the degree of local economic development is also closely related to the price of car purchase. Take Changsha as an example. Compared with the whole country, the degree of economic development is moderate, but the economic development is relatively fast and the overall consumption capacity is strong. The proportion of car purchase expenses to annual income can be appropriately higher.

Taxi, car rental or car purchase?

Some netizens once posted on a well-known car website, calculated an account in detail, and came to the conclusion that "it is better to take a taxi than to buy a car". Immediately, some netizens suggested that "renting a car is not as good as taking a taxi", but this statement was replaced by "renting a car is not as good as buying it yourself". Of course, this view was quickly drowned in the "saliva" of online comments on melee.

Ceng Xiaoyan is a married doctor, aged 30.

Current deposit: 1.5 million monthly income: 3,000 yuan, plus the year-end bonus, the annual income is about 50,000 yuan.

My opinion: I work in Xiangya Hospital and bought a house in Mawangdui. It is nearly 7 kilometers from home to work. I don't take a taxi to and from work more than 30 yuan. I work five days a week, including night shift, and my monthly expenses don't exceed that of 700 yuan. Colleagues in a certain department spend more than 1000 yuan a month driving to and from work. Although it may be more convenient to drive by yourself, there are parking spaces in communities and units, and the safety of car protection and driving is also very worrying, which is far less convenient and fast than taking a taxi.

Chen Tao was a 32-year-old hotel waiter when she got married.

Current deposit: unknown monthly income: 2,500 yuan, annual income of about 40,000 yuan.

Viewpoint:

I don't use the car very much. I only go out for a long trip with my family during the May 1 ST and 11 th long holidays. For myself, there are too many cars to buy, and the cost of car maintenance is even more unaffordable. Now the car rental price is lower. If I rent an economical car like Alto, the rental fee is 100 yuan a day, which is very cost-effective and convenient.

Zhao Fan is a 3 0-year-old married network employee.

Current deposit: 0 yuan, monthly income: 3,000 yuan, and the annual income is unknown.

Viewpoint:

I bought Fukang 1.6 during the Spring Festival. After I picked up the car, I partially modified the appearance of the car and increased various expenses. When I was on the road, I spent nearly 65438+ ten thousand. In the first two months, I was addicted to cars, and I had to pay about 1500 yuan for cars every month. However, commuting by car is totally different from commuting by taxi. First of all, it's convenient. I can go anywhere at any time, especially when the taxi drivers in Changsha change shifts after work. It is difficult to stop a car. If it rains, you can't leave for an hour. The most important thing is mentality. After all, it is indescribable to drive your own car and watch everything, including auto parts, completely belong to you.

Expert opinion: Do what you can.

Professor Tao: Taking a taxi, renting a car and buying a car are all ways for people to travel. There is no clear relationship between travel mode and people. Driving by yourself can save time and improve work efficiency. Busy work, working far from home or living in a remote suburb. Suitable for some groups who travel frequently to buy a car, but for families who want to travel on legal holidays but can't afford a car, they can rent a car. The only reference standard for choosing which mode of transportation is to do what you can.

How much does it cost to buy a private car?

In addition to the naked fare, buyers have to pay the following fees to get on the road.

1. License fee: 180 yuan 2. Purchase tax: car price/1.17×10% 3. Vehicle and vessel use tax: about 190 yuan per year;

4. Road maintenance fee: five seats or less 1.200 yuan;

5. Road and bridge tolls: 840 yuan throughout the year;

6. Insurance premium: It depends on the specific situation. If you only buy compulsory insurance, that is, third party liability insurance, you will need about 1 000 yuan every year.

Seven links on the license plate 185 yuan.

How to get a license plate when buying a beautiful car? In the words of Yu Weidong, deputy director of Changsha Traffic Police Detachment Vehicle Management Office, 185 yuan can get a good license plate after seven links.

185 yuan required for car registration includes car inspection fee, license plate fee, license plate bracket fee and photography fee. The new car licensing business in Changsha was completed in the Central South Branch of the Vehicle Administration Office of Changsha Traffic Police Detachment, with seven processes: 1. Receiving materials. The licensee shall wait at the business window to accept the application form for motor vehicle registration and the identity certificates of the owner and agent of the motor vehicle (personal identity card or organization code certificate, etc.). ), motor vehicle certificate, motor vehicle origin certificate (car purchase invoice), vehicle purchase tax additional tax payment certificate or tax exemption certificate, original file of motor vehicle, motor vehicle inspection certificate (except for vehicles exempted from inspection as stipulated by the state), and motor vehicle third party liability insurance certificate. Second, the vehicle was stolen and recovered. Third, sort out the licensed business data. The vehicle management department will check the frame number, engine number and seat number of the new car. Fourth, register for the audit post to check the vehicle, enter the data, and enter the stage to be processed (about 30 minutes). Fifth, the number post selects the license plate and receives the license plate. Sixth, install license plate vehicles to take pictures. Seven, the certificate management post to receive the vehicle driving license.

Pay attention to buying a car

How to buy auto insurance?

In the process of purchasing insurance, the choice of insurance type and quantity is the key. First of all, the third-party liability insurance is required by most provinces, municipalities and autonomous regions in China. Car damage insurance can provide protection for the damage of the insured vehicle itself. On this basis, you can choose other additional types of insurance, such as theft insurance, glass breakage insurance, vehicle liability insurance, vehicle cargo drop liability insurance and so on. If all types of insurance can be insured, the insured will get the most comprehensive protection, but because the expenses are charged according to the types of insurance and the insured amount, the more types of insurance are insured, the more insurance premiums need to be paid. Therefore, it is also reasonable to choose some types of insurance according to the different models and their own needs.

Is tens of thousands of third-party liability insurance appropriate?

At present, the third party liability insurance of various insurance companies can cover six grades, namely 50,000 yuan, 6,543.8+0,000 yuan, 200,000 yuan, 500,000 yuan and 6,543.8+0,000 yuan. The premiums are 1040 yuan, 1300 yuan, 1500 yuan, 1730 yuan, 1820 yuan, etc. It is more appropriate to insure 65438+ 10,000 yuan, which can cope with general accidents. Insured 50 thousand yuan is slightly less. A small accident is enough, but a big accident is not enough to compensate. Then you should always be careful when driving, and don't hit anything valuable. Guaranteed 200 thousand can basically sit back and relax. But don't deliberately cause trouble, so the insurance company will refuse to pay. Our suggestion is: take out as much third party liability insurance as possible, and don't wait for insufficient compensation to regret not taking out more insurance.