There is less than a month left before the Spring Festival in 2022, and before the Spring Festival every year, it is the peak consumption season for cars, and a large wave of friends who are ready to buy a car are on the road.
Go out to work for a year, whether you have earned money others do not know, the villagers and fathers will not look at your bank card balance, but back to the hometown to drive a new car, then everyone knows that you "out of interest", made a lot of money outside.
Therefore, many people save money and urgently need a car to stabilize the situation, and the major 4S stores have also looked at this opportunity to launch various promotional activities in a timely manner.
As a bank employee, these days I am also very busy, mainly because the sales of the 4S store that I docked with are relatively good, and there are many friends who buy cars every day, and most of them need loans to buy cars, so orders cannot be stopped.
Maybe these customers have consulted professionals before, for various reasons, they will suggest that you take out a loan to buy a car, say some of the advantages of a loan to buy a car, and make you feel that this wool is not white.
However, based on my work experience and some real feedback from customers, I really recommend that you don't take out a loan to buy a car, because you may fall into deep regret later.
First, the wool is out of the sheep, and the routine is full.
People who have experienced buying a car know that they originally wanted to buy a car in full, and talking about it became a loan.
Now the full purchase of a car is almost less than the price, and the decoration and maintenance are not sent, but the loan to buy a car has various benefits.
For example, the price of a naked car is 100,000 yuan, and the full purchase of a car can only be discounted by 2,000 yuan, and the loan to buy a car can be discounted by 10,000 yuan, and the gap is immediate, so that many people can't refuse.
But the wool is still out of the sheep, which seems to be 8,000 yuan more than the price of the full car naked car, but the merchant will find a way to make up for the loss from other places.
Loan to buy a car financial service fee 5 points, 100,000 yuan is 50,000 yuan, handle the license mortgage 1500 yuan, the purchase of insurance in the store is about 30% more expensive than the outside, calculated down to 2000 smaller, mortgage three-year handling fee of 12 points, interest total 12,000 yuan.
Although the loan to buy a car naked car price is preferential, the money can also be repaid slowly in installments, and there is a surplus on hand, but how to calculate it also costs tens of thousands of dollars.
Fortunately, car dealers are now explicitly prohibited from charging financial service fees, and some cars have interest-free concessions, but 4S shops still have a way to make money, they can borrow the bank's hand, collect loan interest rebates, after all, only buy wrong and not sell wrong.
Therefore, when we buy a car to negotiate, we can not only pay attention to the price of naked cars, we should summarize all the costs, see which way to buy a car cheaper, and then make a decision.
Second, overdue repayment causes trouble and has far-reaching effects.
"Buying a car is cool for a while, and the repayment is two lines of tears." Many customers smiled bitterly and shook their heads, knowing that the budget was to buy an Alto, and finally bought an Audi in installments.
In this situation, I think many people have a deep experience, originally on the Internet optimistic about a brand of low-end models, the result of finally bought a high-end top match, completely forgetting their own affordability.
Now buying a car in installments can achieve a minimum of zero down payment, that is, you can take the car home without spending money, and then pay back the monthly payment every month.
In this way, many people have a feeling that the car does not need money, thinking that the amount of repayment every month is not very large, and they do not take into account the necessary expenses and emergencies of later life.
The sales staff avoided the heavy and light, let the consumers in the clouds, signed the contract, and embarked on a long road of repayment.
As a result, most of his salary every month was used to repay the car loan, and it was the norm to make ends meet, which greatly reduced his living standards.
Especially in the past two years, the impact of the epidemic, many people's income has dropped sharply, and there has been a car supply cut, which not only affects their own credit, but also may take a lawsuit.
If I hadn't been so impulsive and bought a family car that I could, I don't think it would have been so bad.
Third, it is easy to buy a car and it is difficult to maintain a car, and the cost has increased sharply.
Friends who bought a car will have such feelings, "it is easy to buy a car and it is difficult to maintain a car", save money for a few years, bite your teeth and buy a car, but the real place to spend money is still behind.
The price of No. 95 gasoline has exceeded 7 yuan / liter, driving to and from work for a month how to get a thousand dollars, at least twice a year maintenance, the cheapest also cost a thousand yuan, as well as parking fees, wearing parts replacement, traffic tickets and other expenses.
The cost of these cars has increased sharply, and many people have been forced to choose buses and subways to commute to work.
The most important thing is that the car is still a consumable, as soon as it lands, it begins to depreciate, you want to sell the car as a second-hand car, and you think it is too uneconomical, after all, when it is windy and rainy, there is still a strong sense of happiness in a car.
And the car is generally broken, not open for a long time, your car will have various problems, but also have to spend money to repair the car, let people in a dilemma.
Therefore, we had better pause and think about it, if it is not very urgent and necessary, I suggest that we can put the purchase of a car on hold, after all, it is also very convenient to take a taxi now.
The above three reasons are currently facing car owners, friends who are ready to buy a car, may wish to consider it carefully, as the saying goes, "how big the foot, how big shoes to wear", the lessons of the past are also to give us some reminders to avoid us from taking fewer detours.
(Thank you for your attention, hope to bring you help, look forward to your consultation and message!) ）