Many newcomers buy cars often fainted by “naked car prices” and “landside prices” — thinking that 100,000 naked cars can lift 100,000 cars, resulting in actual payments of an additional 20,000, or even forced to give up because of insufficient budgets. In 2024, a combination of 100,000 dollar grades (giliday hol), 200,000 in class (honda cr-v), 300,000 in class (bms 3) and three popular car models was measured. The core difference between the price of a naked car and the price of a landing is “cost composition”: the price of a naked car is the basis for the vehicle itself (the core of the 4s offer), while the price of a naked car is the sum of the price of a naked car + the acquisition tax + the cost of insurance + the cost of a licence + other necessary costs, and there are significant differences in the prices and costs between regions. For example, the 2024 gilitehol l1. 5t flagship, with a price of 988,000 for bare cars and 112,000 for land landings, with an additional 132,000 for purchase tax of $8743, insurance of $4,000, and a fee of $500 for top plates; while the 300,000 bmw3 family, with a landing price of around 45,000 more than the price for bare cars, represents an acquisition tax of 265,000. The paper will also dismantle the 2024 new deal for acquisition taxes, mandatory insurance purchases/options, cost-saving techniques, clarify errors such as “lower price for naked cars” and “lower price for 4s stores” and help you to calculate the landing price with precision and avoid “budget overruns” or “routing” when buying cars。
I. Prelimination: the price of a naked car is the “basic price”, the price of a landing is the “final bargain”, and the difference is the gold. White silver
For the first time, many people went to 4s to sell a “0. 2 million-naked car” that they thought was the “final price of the car”, but that, in fact, from “naked car” to “capable on the road”, they had to pay four additional types of fees, which were the essence of the difference between the price of a naked car and the price of a landing. In 2024, for example, the 100,000-class gilitehau l1. 5t flag type was used to look first at two sets of visual data:
The cost type nudity price constitutes landing price (including nudity price)
Core cost vehicle base sale ($988,000) cost $988,000 for naked vehicles + $8743 for acquisition tax + $4,000 for insurance + $500 for licence fees
The cost nature of the 4s store (can cut $5,000-$8,000) is subject to fixed standards for purchase, listing, and insurance can be adjusted as needed
Final amount of $988,000 (before not negotiated)
Key differences include only the cost of “legitimate access” for the vehicle itself
In short, the price of a naked car is “the basic cost of buying the car”, but in order for the vehicle to be licensed, licensed and legally eligible to travel, other costs must be paid, which together are the cost of landing. In 2024, we visited beijing, shanghai and guangzhou 4s stores and found that 100,000 to 300,000 car types were on average 10 to 15 per cent higher than the price of naked cars, and the difference was greater。
(i) naked car price: 4s “quote core”, with 3 hidden traps
The price of a naked car is the most popular one in 4s, such as “2024 honda cr-v1. 5t, with a price of 188. 8 million naked”, but there are three easy-to-neglect points behind this price:
(b) minimum price for naked cars: the price for naked cars at 4s is divided into “official guide prices” and “end-of-the-ground discount prices”, such as rcr-v official guide prices of 20. 19 million in honda, and post-concession price prices for naked cars of 1858,000, which can be further negotiated (from $3,000 to $5,000 in 2024, and eventually 18. 18 million for naked cars)
The price of a naked car may be tied: part of the 4s store will report a “low-priced naked car”, but it will be required to “buy full-risk in the shop” “to buy a full-scale decorative (e. G. A membrane, foot mat, up to $3,000)” “to buy the car over a period of time (to collect $3,000 for a financial service)” which appears to be cheap, and to earn it back through other projects, as mr. Chen met in 2024: “sale cr-v nud car, $17. 98 million, $6,000 less than others, resulting in a request for $5,000 full risk plus $2,000 decorating, which is higher than the landing price”
Naked car prices do not contain “special configurations”: configurations such as the selection of a panorama window, seat heating, etc., require an increase in the price of a naked car, 2024 bmws3 are for a hamman cardon sound, and the price of a naked car is $6,000, which is also included in the landing price。
(ii) landing price: “final price of access”, no less than a point for the vehicle
At the heart of the landing price is “legitimate access”, which must include four categories of essential costs, none of which can be completed:
(a) acquisition tax: the state imposed a “10 per cent tax” (excluding vat) in 2024, calculated as “acquisition tax = 1. 13 x 10 per cent of the price of a naked car” (the price of a naked car is 1. 13 x 10 per cent of the tax price), such as a 9. 18 million car, a purchase tax = 91,800 ÷ 1. 13 x 10 per cent ≈ 8124, which is paid directly to the tax administration and which can be paid by a 4s store without relief
Compulsory motor vehicle accident liability insurance (high-risk insurance): compulsory purchase by the state of 950 yuan per year for up to six cars in 2024, and $1,100 per year for 6-9 cars, which cannot be boarded without risk insurance and are fined by the traffic police for travelling
(a) commercial insurance: although not compulsory, the 4s store usually requires “a minimum of three persons at the time of taking the car” (in 2024, most 4s required that the three persons be insured at a rate of not less than 2 million, at a premium of approximately 2,500 dollars) or else the car would not be offered
The national flat rate for 2024 is 130 yuan (100 yuan) (100 yuan) (100 yuan) (+10 yuan) (+10 yuan) (for the registration certificate) and 10 yuan (for the registration certificate) (50-1500) (the difference)。
In 2024, when ms. Lee, the owner of the shanghai cars, bought giliti haugh l, initially prepared the budget on the basis of a “naked car” amounting to $988 million, which resulted in acquisition tax of $8743, insurance of $4,000 (with a maximum risk of 950+3 risk of 200,500+ vehicle loss of 550), a licence fee of $800 for 4s and a landing price of $11. 23 million, which was $135,000 more than the budget, and had to compress other expenses on a temporary basis — which is also why it was said that “the purchase of a car must be preceded by an accurate landing price, which would otherwise be easily overspent”。
Ii. Core differences are measured: where is the difference in the price differential between the three price models in 2024
The difference between the price of a car at different prices and the price of a car on the ground varies considerably — the difference between class 100,000 and 15,000, the difference between class 200,000 and 30, and the difference between class 300,000 and 40-50,000, the central reason being that “acquisition taxes and insurance costs increase with the price of a car naked”. In 2024, three popular car types were selected, namely, gillidehau l (class 100,000), honda cr-v (class 200,000), bmw 3 (class 300,000), with a detailed breakdown of the difference:
(i) type 100,000 (giliti houtha l1. 5t): landing price was higher by 132,000 and acquisition tax was 66 per cent
An official steering fee of 1088,000 for the gilitehau l1. 5t flagship, 9. 18 million for the unnaked, 105,000 for the landing, and 132,000 for the difference, comprising the following:
(a) acquisition tax: 9800 ÷1. 13 x 10 per cent ≈8124 (61. 5 per cent of the difference) and no acquisition tax relief policy in 2024 (the policy of halving under 1. 6 l in 2022-2023 has been abolished), which must be paid in full
Insurance: hk$ 950 + us$3050 (us$ 2,500 + us$ 550) for high risk insurance, for a total of us$ 4,000 (30. 3 per cent of the difference) and if no commercial risk is purchased, it will only have to be paid, but not normally allowed by 4s
(a) cost: $800 for 4s (actual official cost 130 and 670 for 4s) and $670 for the cost of taking up a license in a garage
Other costs: n/a ( very few additional charges for class 100,000 vehicles, such as treasury charges, pdi testing fees, which were explicitly prohibited from being collected by 4s stores in 2024)。
Summary: the difference in the landing price of a class 100,000 car is derived mainly from acquisition taxes and insurance, which, in order to save money, can “take up its own card” and buy only “high risk plus three” of $2 million (a choice of vehicle loss and loss, which can be avoided by the old driver and recommended by the newer), which can reduce the difference to around 11,000。
(ii) type 200,000 (honda cr-v1. 5t): $28,000 higher and 59 per cent acquisition tax
2024 honda cr-v1. 5t, with an official guide price of 20. 19 million, a reduced terminal price of 18. 18 million for naked vehicles and $210,000 for landings, with a difference of 2. 82 million, constitute the following:
Acquisition tax: 181,800 ÷ 1. 13 x 10 per cent ≈ 16088 (57 per cent of the difference), which is $796 more than the class 100,000 vehicle type and is the core of the difference
Insurance: $950 + $550 commercial insurance ($2,800 + $2250), for a total of $6,000 (21. 3 per cent of the difference) and $1700 higher than class 100,000 due to the value of vehicles
Cost: $1,500 (official 130 and service fee 1370) for 4s, which is $700 higher than 100,000, because “customs type 4s considers that “customers are more willing to spend time””
Other costs: part 4s will charge $500 for “pdi testing” (which should be included in the price of a naked car, which could be negotiated in 2024), or $500 more if not waived。
Summary: the increase in class 200,000 vehicle-type differentials is due mainly to the increase in purchase taxes, loss of vehicles and the increase in the cost of service charges for 4s stores. The difference can be reduced to around 25,000 if you wish to save money by “hard-handedly rejecting the pdi test fee” and “high-risk plus three” insurance options (high maintenance costs for class 200,000 vehicles and recommended purchase of vehicles)。
(iii) type 300,000 (bms 3 is a 325-lim sports package): the value of land landings was $45,000 and the acquisition tax was 59 per cent
The 2024 bmw 3 is a 325-lim sports kit with an official instruction price of $349. 9 million, a discounted terminal cost of $309. 9 million for naked vehicles and a landing price of $355,000, with a difference of 451,000, comprising the following:
Acquisition tax: 309,900 ÷ 1. 13 x 10 per cent ≈ 27425 (60. 8 per cent of the difference), or $11337 more than level 200,000, the largest expense
(a) insurance: $950 + $950 commercial insurance ($300,000 for three cases) for a total of $10,000 (22. 2 per cent of the difference), $3 million for class three (high cost of high-speed accident maintenance) and $120,000 for a single scratch
(a) prices: 2,000 for 4s (official 130 and 1870 for services) and 1,000 for some of the luxury brand 4s, plus service fees
Other costs: luxurious brand 4s often pushes “original factory decoration packages” (e. G. Membranes, foot mats, up $8,000) and, if not bought, may “recognize part of the price of naked cars”, as mr. Wang, the owner of the beijing cars, encountered in 2024: “sale says no decorating bags, the price of naked cars will increase from 3099 to 3159,000, equivalent to disguised compulsory consumption”
Summary: the difference in the price of a 300,000-grade luxury car landing not only comes from acquisition taxes, insurance, but may also have a “compulsory decorative” “hidden service fee”, requiring focused bargaining, which would otherwise exceed 50,000。
Iii. Interpretation of key costs in 2024: acquisition taxes, insurance, listing fees, details that save thousands of dollars
The difference between the price of a naked car and the price of a landing is “controllable” for the purchase tax, insurance, and billboard fees — knowledge of the latest 2024 policy and money-saving techniques can cost much less to avoid being “set” by 4s。
(i) acquisition tax: no relief in 2024, no formula for calculation, no more than 4s fine
In 2024, the car purchase tax was “10 per cent tax” and there was no “discharge relief” for “new energy relief” (the new energy vehicle exemption policy expired at the end of 2023 and was not renewed in 2024), calculated as:
Purchase tax = nudity (including tax) ÷ 1. 13 x 10%
(note: naked car price is the “total price tax” amount in the uniform invoice for the sale of motor vehicles, issued by 4s, not an oral quote from 4s, avoiding being “overstated as an acquisition tax”)
By way of example, 2024 honda cr-v naked cars cost 18. 18 million (including taxes), acquisition tax = 181,800 ÷ 1. 13 x 10 per cent ≈ 16088. If 4s stores were calculated as “18. 18 million × 10 per cent = 18180”, an additional $2092 would have been collected, which ms. Zhao, the owner of the shenzhen car, had encountered in 2024, fortunately discovered in time to recover the damage。
Savings techniques:
The 4s store is required to invoice for “actually paid nudity” to avoid “low billing” (part 4s suggests that “low billing is less paid for acquisition tax”, but would result in “lower residual value of vehicles” “invoice price” for insurance claims”
The amount is calculated using a formula or checked with the “acquisition tax calculator” of the national tax administration authority。
(ii) insurance: 2 items will be purchased in 2024, with three options available, and 4s's “all risk” is mostly a set
Many 4s stores would recommend “all-risk” (about $8000-15000), but in fact, in 2024, only two cars + three were required to be purchased, saving between $3,000 and $5,000:
Requiring items (2):
(b) risk-taking: $950 (less than 6 seats) ($1,100 (6-9 seats), compulsory by the state and unable to get a card
Third-party liability insurance for motor vehicles (three-case insurance): 2 million (grades 100,000-2000), 3 million (classes over 300,000) and approximately $2500-4,000 in 2024, to deal with major accidents such as “robuses, crashes” and other major accidents in order to avoid substantial compensation。
Optional items (on demand):
(a) motor vehicle loss insurance (car loss insurance): start-ups, new vehicles proposed for purchase at a premium of approximately $550-$5050 (by vehicle value) in 2024, covering losses such as “spreading, tailing, natural disasters (such as storm water)
(a) car personnel liability (seat safety): if a person has a “personal accident risk” for himself, the cost of the insurance is approximately $200-500 (5 vehicles) in 2024 may be omitted
The glass is broken separately: it is recommended to buy a car that is always on the highway, and the premium in 2024 is about $300-800, avoiding “blasted glass” by a stone (the bmw 3 front windshield would cost $8,000)。
Pipe avoidance: in fact, after 2020, the “non-recoverable risk” was covered by the “unrecoverable third-party liability insurance” premium of approximately $100, which is optional and not mandatory. In 2024, when mr. Liu bought cr-v from the owner of the guangzhou car, 4s recommended "all risk 6800."
