These policies will have an impact on you preparing to buy a car in 2018

The end of the year is the traditional peak season for car buyers. Many friends choose to buy a new car at the end of the year to work hard for a year, but it is worth noting that this year's Chinese New Year holiday in February, and the natural year New Year's Day has 1 month More intervals. Therefore, if a new car purchase policy was introduced during the year, many people had originally prepared a car budget, and those who bought cars before the Spring Festival would have just encountered the implementation of the new policy. A short time difference may make the final car change.

Taking 2018 as an example, a number of new policies, including purchase tax, purchase of new energy vehicles, and downpayment of down payment, will affect the purchase of cars. What are the specific changes? Let's take a look with everyone today.

The previous round of small-displacement purchase tax incentives ended

I believe that the friends who are concerned about the automobile circle should all remember that on September 29, 2015, the State Council issued a notice that: From October 1, 2015 to December 31, 2016, it would be sufficient to purchase a displacement of 1.6L or less. Car users shall implement the preferential policy of levying a vehicle purchase tax by half (ie, from the original 10% tax rate reduction to 5% tax rate).

Afterwards, in order to continue promoting the development of new energy vehicles and small-displacement vehicles, on December 13, 2016, the state adjusted its purchase tax for passenger cars with a displacement of 1.6L and below again and announced that it had been since January 2017. From the 1st to the 31st of December, the purchase tax concession for the purchase of passenger cars with a displacement of 1.6 liters or less was changed from the previous 5% to 7.5%, which is still lower than the original basic tax rate of 10%. With the advent of 2018, it also fully announced the end of the previous round of purchase tax preferential policies. At this point, passenger cars with 1.6 liters or less of the following cars that would otherwise enjoy car concessions will also recover 10% of the tax revenue.

For this reason, we have found the changes in the purchase tax for several popular vehicles. Please see the table below for details.

It can be seen that the change in the proportion of purchase tax levied on the price of the models are not a small impact, especially in recent years gradually expand the luxury brands of small displacement booster models, Mercedes-Benz GLA, for example, the difference in purchase tax is close to 6000 yuan. However, some car companies have already started the promotion policies such as concessional purchase tax at the terminal. Careful friends may wish to pay more attention to the end-of-year promotions of various brands.

New energy vehicles exempt from vehicle purchase tax

It must be admitted that buying a new energy car is indeed the most fashionable idea for buying a car. Not only can it have a lush green license, but it can also completely eliminate car purchase tax. This is in addition to the national car subsidies and local car subsidies. A big favor. There is reason to believe that this move will further stimulate the purchase of new energy vehicles.

On December 26, 2017, the Ministry of Finance, the State Administration of Taxation, the Ministry of Industry and Information Technology, and the Ministry of Science and Technology jointly issued the “Announcement on Exemption from the Purchase of New Energy Vehicles”, which is exempted from the purchase of new energy vehicles. The vehicle purchase tax will be effective from January 1, 2018 until December 31, 2020.

According to the announcement, from January 1, 2018 to December 31, 2020, the purchase of new energy vehicles will be exempt from vehicle purchase tax. New energy vehicles that are exempted from vehicle purchase tax are implemented through the issuance of the Catalogue of New Energy Vehicle Models Exempted from Vehicle Purchase Tax. New energy vehicles that have been listed in the Catalogue before December 31, 2017 will continue to be valid for the exemption of vehicle purchase tax policy.

Loan down payment as low as 15%

The ultra-low threshold loan car platform including “10% down payment for cars” and “ANT car” was completely reinvented in 2017, but the advertisements were mostly true, but the volume was high but it was false, and the high amount of repayments and superposition The interest rate has caused many young people with 30,000 yuan to buy a car to be discouraged, and it is far more expensive than the offer given by the 4S store. However, in the new year, as the loan down payment for car purchases is further reduced, in the future, the threshold for buying cars at 4S stores will only become “15%”.

In order to further promote automobile consumption and standardize the management of auto loan business, on November 8, 2017, the People's Bank of China and the China Banking Regulatory Commission jointly promulgated the newly revised “Administrative Measures for Auto Loans” stipulated on January 1, 2018. Since then, the proportion of auto loans for traditional fuel vehicles has remained unchanged, which is still 80%; the maximum loan ratio for new energy vehicles is 85%;

The loan ratio of used cars also increased from 50% to 70%

Compared with the current policy, the loan ratio of the transmission fuel vehicle has not been adjusted and remains at 80%, but new energy auto loan regulations have been added. The New Deal defines the new energy vehicle as "a new power system that is fully or mainly reliant on new energy-driven vehicles, including plug-in hybrid (including incremental) vehicles, pure electric vehicles, and fuel cell vehicles." This also means that since 2018, new energy vehicles will be assessed separately and enjoy a higher proportion of car loans.

It should be said that from the traditional fuel vehicles to the new energy and then to the loan to buy a car, they have changed with the start of the New Year policy. I hope this information can help you.