For modern people, having a house and a car is a successful label, and the house is not something that can be bought by hard work for a few months' salary, but the car is different. In the huge automobile market, there are both millions of luxury cars and new energy vehicles below 100,000. There are also a variety of payment methods, direct full payment with good economic ability, and young people with pressure can choose to pay in installments, it can be said that the purchase pressure of the car is much less than the house.
Judging from the sales volume of the car market in November this year, the overall sales of domestic passenger cars rebounded to 1.816 million units, an increase of 102,000 units from the previous month. Thanks to the gradual normal supply of chips, the market of the entire car market is picking up, and people's desire to buy cars will also rise. Novice Xiaobai often encounters a problem when buying a car, about 100,000 cars can obviously be paid in full, but sales always persuade loans to buy cars, which of these two ways is better? Settle the score and you'll understand
First, the routine of taking out a loan to buy a car
I believe that people who have been to the 4s store to buy a car have encountered the situation of selling recommended mortgage payments, and many people can stick to the bottom line: obviously they can pay in full at one time, why should they owe the money to the 4s store to buy a car? Every month, I thought that I still had a loan to repay, and I felt uneasy. But with the release of big moves in sales, those people can't be overwhelmed.
The big trick of sales is: full discount 30,000, mortgage discount 340,000; full payment does not send anything, mortgage can send foils, mats and other gifts... Words like that. At first glance, it seems that the loan is more favorable, and the monthly payment can also reduce their financial pressure. Eventually, many people will "surrender their weapons" and take out loans to buy cars in installments.
So is the mortgage really better than the full amount? 4S stores do so many activities, where do the profits come from? The following is a simple calculation for everyone, you can clearly see the source of profits for loans to buy cars. The main profit points of a loan to buy a car are divided into two parts: rebates and various fees charged to customers (including hidden fees).
1. Rebates
Many 4s stores will sign a rebate treaty with banks or financial companies, such as assigning corresponding tasks every year or month, if a certain amount of tasks is reached in a certain month, then the 4s store will get an additional reward. There are also calculated on a per-order basis, such as selling a car of 150,000 yuan, if the customer chooses to mortgage consumption, the 4s store will get a rebate of several hundred yuan.
2. Hide fees
There are many items to talk about, such as loan fees, which are the most expensive and will be charged by most brands. When the sales tell you that the car gives an extra 1500 discounts, it is possible that he has earned 3000 loan fees, and half of it is only to facilitate the order.
In addition, there are GPS, file management fees and so on. Now regular banks install less GPS, but some will still fool customers to install, the general price ranges from 2000-4000. Compared with the above, the file management fee is a relatively inexplicable fee. But some people have really seen, what files need to be managed after buying a car? It's just an increase in the name of a fee.
Finally, there is insurance, which is hidden more deeply. Some 4s stores will require customers to choose a long period of time, during this period of time has been in the store to do insurance, equivalent to how many years of customer loans, you have to pay how many years of insurance deposit to the store, the average person is easy to fall into this trap.
How can you avoid stepping on these pits? That is, don't take out a loan for the sake of a loan. Some sales words are very powerful, and three words and two words introduce people to the context of cheaper loans. But in fact, according to the landing price of the car, the loan will not be cheaper than the full amount, and many of the seemingly preferential prices are actually the time and money invested in the long term.
For example, a 150,000 Xuanyi, a loan of 100,000, is paid off in 3 years. Car buyers have to pay a total of about 8,000 interest, and the 4s store charges another 4,000 yuan store handling fee. Even if you give up 2,000 yuan of car discounts and some messy gifts, they are more expensive than the whole money.
Second, which kind of person is suitable for a loan to buy a car
In fact, there is also a favorable side to the loan to buy a car, which is more suitable for both kinds of people. The first is that you already have a car purchase plan, but you can't come up with that much money in the short term, so you have to choose to pay in installments. This allows you to enjoy driving in advance, but also does not have to bear so much financial pressure. The second is the businessman. These bosses need working capital more, and the money saved overall is still more valuable than the handling fees, service fees, interest, etc. that need to be spent on loans.
When taking out a loan to buy a car, you can pay attention to the following matters, you can better protect your rights and interests. When buying a car, it is necessary to choose a special 4s store and a regular car manufacturer that cooperates with the 4s store, because these two channels have interest-free qualifications, and it is still very tempting to install interest-free.
But it does not mean that the interest-free is the same money spent as the full amount, and the 4s store will have a separate set of charging standards, such as financial service fees. In fact, many manufacturers have banned the use of insurance, gifts, fixtures and other mandatory sales in 4s. But for the financial service fee is still vague attitude, can only say that they are all open to do business, or to make a little money for others.
Third, the pros and cons of buying a car in full
Buying a car in full means that the owner has settled all the money at once in the store, and then the car can be picked up. These payments include the landing price of the car, compulsory traffic insurance and commercial insurance, purchase tax, and vehicle and vessel tax. Among them, compulsory insurance and purchase tax must be paid, commercial insurance depends on personal choice, and vehicle and vessel tax will charge different fees according to local standards.
The advantage of buying a car in full is very obvious, the first time you pay the car, you don't have to think about the car loan every month after that. If you have ever had bad credit due to overdue, you don't have to worry about problems such as incomplete installment audits.
At the same time, in addition to being a means of transportation, the car is also a commodity. After buying a car in full, the car is directly transferred to his own name, if he does not like it after a year, he can also be directly put into the second-hand market for trading, and the depreciation rate at this time will not be particularly high. If you take out a loan to buy a car and wait until the loan is paid off after 3 years before you can trade it, the car will depreciate even more.
Buying a car in full also has certain disadvantages, whether it is an individual buying a car or a family buying a car, taking out so much money at a point in time will eventually affect the quality of life. If you are interested in a car with a higher configuration, the money in your hand is not enough, then you can only regret to buy a low-end, and there is also a certain knot after picking up the car. In addition, inflation should also be taken into account, the same price may not be able to buy the same goods in the future, so staging is somewhat cost-effective.
summary:
If you have the intention to buy a car, then it is best to choose the payment method according to your own situation, and the loan to buy a car and buy a car in full have their own advantages. Buying a car in full can immediately enjoy the feeling of being a car owner, and friends with a good budget can consider it.
The loan to buy a car has to pay off the car loan every month, but with such pressure, it will stimulate a greater incentive to work and make money. Today's car loans also come in many forms, and interest-free installments are a good choice. If you buy a car, will you choose the full amount or the loan? Which one do you think is more cost-effective?