Xiaomi SU7 has been so popular recently, with high appearance, fast running, and a burst of technology, who can't be impressed? But it's easy to buy a car and it's hard to maintain a car, so today we'll break it up and do the math to see how much money we have to earn every month to hold the car.

How much does it cost to buy a car? 】

這車分標準版和頂配版，標準版21.59萬，頂配直奔30萬去了。按老司機們的經驗，買車的錢最好別超過你年收入的1.5-2倍。這麼算的話：

- 想買標準版：年薪得在14萬到21萬左右，也就是月薪1萬2到1萬8

- 想沖頂配版：年薪得18萬到30萬，月薪得1萬5到2萬5

現在年輕人買車大多貸款，咱們按首付三成來算：

- 標準版首付約6萬5，貸款15萬。分3年還的話，月供4500左右；分5年還，月供降到2800

- 頂配版首付9萬，貸款21萬。分3年月供6300，分5年大概4000

重點來了！每個月還貸款的錢千萬別超過工資的30%，比如你月薪1萬5，月供最好別超過4500，否則日子過得緊巴巴。

[How much does it cost to maintain a car for a month?] 】

1. Insurance money: The most expensive in the first year, six or seven thousand to eight thousand, and it can be cheaper if there is no accident in the future

2. 充電費：家裡裝充電樁最划算，一年跑2萬公里也就1500塊電費。要是一直在外面充，差不多得翻倍到3000

1000. Maintenance money: The tram is really worry-free, the first insurance is 0 yuan, and then the air conditioning filter is checked and replaced every year about 0. It costs 0 more to change the brake fluid in two years, and 0-0 is enough in the average year

5000. Miscellaneous: Parking is the most expensive! Parking in first-tier city communities + companies is normal for 0-0 every month. Second- and third-tier cities can save points and get it 0-0. The car wash fee is 0 per month, and the fine is three or five hundred, which adds up to 0-0 reserve money for a year

[How much is the monthly salary to be able to afford it?] 】

- 月薪1萬5+：沒房貸壓力的話，標準版隨便養，頂配版也能沖，日子不會緊巴巴

- 月薪1萬-1萬5：建議選標準版，貸款拉長到5年，月供降到3000內。但利息會多掏點，得自己掂量

- 月薪不到1萬：咱先別急著下手，要麼再攢攢錢，要麼看看10萬左右的代步車。非要硬上的話，可能得天天吃泡麵了

舉個實在例子：小王月入1萬8，買了標準版。首付6萬5，貸款5年月供2800，加上每月養車1500左右，總共支出4300，還能剩1萬3過日子，妥妥夠用。

At the end of the day, buying a car is a matter of what you can do. Don't look at other people's hot eyes when they drive a new car, first calculate your own accounts. Remember that the car is a service to life, don't let car maintenance become a burden of life. If you are tight now, it may be more fragrant to buy a new model two years later!