车贷真实年化利率计算
输入车价、首付、期数和月供，即可算出车贷的真实年化利率。很多“0利率”车贷会收取手续费，实际年化成本大约是手续费率的两倍，可在“手续费”栏输入金额查看。
计算器为英文界面，可用浏览器翻译一键切换为中文。
Car loan rules in China
- Since 2021 every loan must show its annualized rate (年化利率) on the balance actually owed, including fees. From 1 August 2026 lenders, including auto finance companies, must also show the total annualized financing cost (综合融资成本), and a daily or monthly rate cannot replace it.
- Dealer and captive finance deals often advertise 0% interest plus a handling fee (手续费), or a monthly fee rate (月费率) on the full amount. That works like a flat rate, so the real annualized cost is roughly double the fee rate, and the 2026 rules require lenders to say so. Enter the fee in the fees box, or choose “Flat rate”, to see the true rate.
- Balloon plans (弹性尾款) exist from some brand finance companies, but most Chinese car loans are short, level-payment loans.
- There is no national rule on early repayment. Lenders commonly charge 1% to 3% of the remaining principal, or keep the handling fee or subsidy; some waive it after 12 months. The example uses 2%.
- Since 2024 lenders set the maximum loan-to-value for private cars themselves, up to 100%, so a down payment is no longer legally required.
Sources: PBOC 2021 annualized rate notice · 2026 financing cost disclosure rule. Rules checked October 2026.
How to use this calculator
Choose Find my APR and enter the price, your down payment, the term and the monthly payment from your offer. The calculator works backward to the APR that lenders in China must disclose, and shows the same loan as a nominal rate, an effective rate and a flat rate. Choose Find my payment to turn a quoted rate into a monthly payment. All figures are in CNY and you can switch country at the top of the page.
Frequently asked questions
Is a 0% car loan really free?
Not if it has a handling fee (手续费). The fee works like interest charged on the full amount, so the real annualized cost is roughly double the fee rate. Since August 2026 lenders must show the total annualized financing cost.
How much down payment do I need?
Since 2024 lenders may finance up to 100% of a private car, but 15% to 30% down is typical.
0利率车贷真的不要钱吗？
不一定。如果收取手续费，就相当于按全额计息的“等额本息”贷款，真实年化成本约为手续费率的两倍。2026年8月起，贷款机构必须明示综合融资成本。
车贷提前还款有违约金吗？
全国没有统一规定，常见做法是收取剩余本金1%至3%的违约金，或不退还已付手续费，部分机构满12个月后免收。