Car loans and down payments are on the decline

Nile, which operates the monthly fixed-price car leasing "Advantageous private car fixed-price carmo-kun," conducted a survey on car loans. Compared to last year's survey, it became clear that the amount of down payment has dropped significantly.

Loan payment is one of the payment methods when purchasing a car. How do people who choose to pay a loan decide the number of years and the amount? Although the state of emergency has been issued intermittently due to Korona-ka, it is said that consumer activity itself is recovering little by little. Is there any change in behavior or thinking about loans? Flat-rate Carmo conducted an Internet survey on car loans for 378 men and women nationwide who made loans and paid for cars.

According to the survey results, "5 years" (39.7%) had the highest number of loan payment years. This was followed by "3 years" (15.9%), "10 years" (12.1%), "7 years" (8.5%), and "2 years" (5.9%). As for the reason for deciding the number of years of loan, "because it is the maximum amount that can be paid" was the most common result at 40.5%. The second most common answer was "I want to reduce monthly payments" at 21.4%. A total of 61.6% of the respondents decided on the amount of payment, such as wanting to pay as much as possible or suppressing payment. In addition, 13.2% of "because we considered vehicle inspection and transfer". There were a certain number of people who set it according to the future schedule.

Regarding the monthly payment amount, the largest amount was "20,000 yen" (33.9%), followed by "30,000 yen" (21.3%). The result was that these two amounts accounted for the majority. 52.8% think that this payment amount is "reasonable". On the other hand, 40.7% answered that "less is better". Compared to last year's survey, it is down 10.5 points.

Regarding down payment and bonus payment, 53.8% answered "yes". The most common down payment was "less than 100,000 yen" (34.1%), followed by "1 million yen or more and less than 2 million yen" (13.8%) and "300,000 yen or more and less than 400,000 yen" (12.3%). , "100,000 yen or more, less than 200,000 yen" (11.6%), "2 million yen or more" (9.4%). Last year, "1 million yen or more, less than 2 million yen" was the most common, and this time the amount of down payment has dropped significantly. "Less than 50,000 yen" (34.2%) is the top bonus payment. Below, "100,000 yen or more, less than 150,000 yen" (19.8%), "50,000 yen or more, less than 100,000 yen" (15.3%), "200,000 yen or more, less than 300,000 yen" (8.1%), The order was "150,000 yen or more, less than 200,000 yen" (6.3%).