Many people know that a car can not just look at guidance, but also to the site to see bare prices. The so-called naked prices, in fact, is there any benefit in view of the vehicle, if there is, then the actual price of the car will be lower than the guide price. But we really want to order, we often find, price is no longer bare the prices, but on the basis of its added many entries, each one is a sum of real money, so we finally buy a car the price is equivalent to the purchase price plus the cost of bare these entries.
In general, the most common of these entries Mo too purchase tax, vehicle tax, insurance fee on the card, a library fees. However, if you buy a luxury brand models, then these entries often have a fee, called financial services. We find that in the past the original price of a car may be just 30 million, but when the real payment, has turned out 350,000 yuan, 370,000 yuan or even 380 thousand yuan.
All these costs, accounted for the bulk of all types of taxes is no doubt, that is, purchase tax and travel tax, while most purchase tax based. But taxes, really that expensive? We might as well make a calculation. The so-called purchase tax, the IRS is required by tax items, is necessary to pay the cost of buying a car, its pricing is:
face value or the minimum tax Taxation Bureau price (ie invoice price) * 10 percentage divide; 1.17
this method is applicable to the vast majority of vehicles currently on the market, but if you buy imported cars, then will be different, the pricing of imported cars as follows:
purchase tax assessable price * 10 = percentage of assessable price = Customs dutiable value + Customs duty + consumption tax [ 123]
Here is a simple example, suppose you buy a 30 million China-made cars (including its own brand, coOwned brands and luxury brands some models), then your purchase tax is about: 300000 * 10 percentage /1.17≈25641 (million).
In addition to the purchase tax, travel tax is followed, it is the insurance company according to the Inland Revenue Department and pay the cost of the displacement circumferentially of seven different grades of vehicles in different regions It will be different, and once a year. Depending on the displacement, roughly the cost of travel tax from 180 yuan to 4500 yuan range, in the Guangdong region can refer to the applicable tax table below.
We can see from the above calculations, a 300 000 yuan models, its displacement is generally not more than 3.0L, therefore travel with taxes at most about 1,800 yuan, combined with its purchase tax, for a total tax of about 27,000 yuan. At this point, the end of tax calculation, cost countries and regions have all been required to pay full payment, then we can put the car go? the answer is negative.
The vast majority of 4S shop, do not let you put naked car bought, so buying a car must be equipped with quality, cost and quality was born. Typically, the fee is accompanied by fine equivalent exchange, that is of some value to you 4S shop boutique, at the same time be given preferential treatment in the purchase price, thus offsetting boutique fee, in other words, the cost of roughly 300-500 yuan basically equivalent.
but other than that, if you are a loan to buy a car, but also there will be other additional expenses. The first is the GPS installation fee, which is the 4S shop or lending institutions in order to avoid risks while installed in the vehicle, while the expenses tend to be passed on to the owner who, at the price of about 2,000 yuan.
and the loan process, especially luxury brands, there will be a entry called “financial service fee”. Development of today,Financial service charge has been transferred from the “underground”, “on the ground”, started price tag, typically 5 percentage of the loan amount. That is, if you buy a $ 300,000 car, 3 percent down payment, the remaining 210,000 yuan loans, the financial services fee percentage is 210000 * 5 = 10,500 yuan. What is this concept? Close to half of the taxes!
calculated here, we might look back and sum up, a loan to buy 30 million vehicles car, we in the end how much additional expenditure. Purchase tax + travel tax + boutique fee + GPS installation fee + financial service fees, is:
25 641 + 1800 + 300 + 2000 + 10500 = 40241 (yuan)
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and this, not even count the cost of insurance!
which we can see, in addition to 27,441 yuan national and regional regulations to pay the cost of the remaining 12,800 yuan channels are charged by the parties, already close to half of taxes , and if you count the cost of insurance is almost equal to taxes. These costs, we really have to dig it?
From the legal point of view, in fact, financial service charge is not legitimate, according to “car sales management approach”, “should express dealers sell cars, the price of accessories and other related products and various service fees in an appropriate form in the premises, shall not increase sales in addition to the price or extra charge.” And in the case of financial service fees, it is the drilling of this loophole, because it tends goes by different names, such as “Loaning service fee” and “agency fees” and so on, but these costs negotiated and signed a contract after the , is a legally binding.
Thus, we canSee, buy a $ 300,000 car, the final price to go to 35 million is a very easy thing. But which taxes only accounted for nearly half of the amount, the remaining amount in half again occupy the bulk of financial services fee. As for the insurance part, 4S shop is now a large store to buy insurance is not mandatory, it is possible for insurance companies and insurance to choose according to their needs, size of the amount can be freely controlled.
(Source network, intrusion deleted)