When a 26-year-old young man wants to buy a car, but without the financial support of his father, what kind of products can he buy?
The background setting of this 26-year-old young man is like this, working class, monthly salary of about 8,000 yuan, without any loan pressure, living expenses are not large, and you can still save up every month. The current deposit is 90,741.28 yuan, which was originally 150,000 yuan of car purchase money supported by his father, but for some reason his father was reluctant to give him this money to buy a car.
So he was ready to buy a compact car with his own savings. (Note: This story is based on a real case)
With a budget of 50,000 less, what can you choose?
The background is clear, this young man who wants to buy a car is the child of the grandfather who often occupies my parking space (this relationship is indeed very round), this young man is called Chen Yao, sometimes he will drive his father's old Passat, often call to move the car so that we are also familiar with it, similar in age also love to play ball, and then there is nothing to talk about the car.
Once I came home from work, met at the parking space, and had a brief chat. Probably last weekend, his father took him to see the car and saw the Volkswagen Langyi, but this car is not what Chen Yao likes, but his father thinks that "Volkswagen's car, trustworthy, I can drive for a lifetime."
Chen Yao's father's words are indeed a little reasonable, the public's reputation and quality in the Chinese market are not bad, there is no need to deny. But Chen Yao did not look at this car at all, and we will talk about it next. The consequence of not obeying the "will" of the father to buy the public is that the 150,000 car purchase price is "gone", but the car still has to be bought, but it has to be done with its own savings.
He just wanted a compact car, purely in-line driving, with a budget of about 100,000. The models he wanted to consider were the Ford Focus and toyota Corolla. In the end, Chen Yao chose toyota corolla in these two alternative joint venture brand models, as to why we continued to talk.
Toyota, which is suitable everywhere, make an alternative first
On Sunday I drove him to Toyota to see the Corolla, first because he was close and second because he had high expectations of the car. When I arrived at the store, it was noon, there was a lot of customer flow, and after registering the information, I quickly found a staff member to introduce us to the specific information. We didn't go around the bend either, asking for offers first.
Does toyota corolla have a discount now? At present, the highest discount is a cash discount of 21,000 yuan, which can be said to be a relatively rare high discount, and now if you do a loan, there is a two-year interest-free policy of 60% down payment. Preferential + interest-free, is a great positive information for Chen Yao, and it can save money in the case of limited budget. In the case of an existing car, it is not necessary to have a desired car, but if you order a car, you will need to wait at least 30 days.
Later, the staff introduced the model information, and the compact sedan with a wheelbase of 2700mm was in a decent manner. There are three options for power, 1.5L, 1.2T and 1.8L hybrid, for Chen Yao's budget of about 100,000 yuan, he can only choose the version of the 1.5L engine, simply choose one of the 1.5L series of products, he has no special needs for power and hybrid.
After comparing the configuration table, Chen Yao's choice is the 1.5L CVT Elite Edition with the higher cost performance in the 1.5L series, which is priced at 127,800. Combined with the preferential treatment, the final landing price calculated by the staff is about 122,700 yuan, and the loan is a down payment of 64,000 yuan and then the monthly payment for two years is about 1,780 yuan. The first is that the price is basically fixed, the down payment and monthly payment are not high, and it is also interest-free, which is not much pressure on Chen Yao.
In the static and dynamic experience of the vehicle, Chen Yao feels that the plastic texture inside the car is strong, but the feel is not bad to touch without a sense of cheapness, the functions in the car are quite practical, in addition to the materials there is no slot point; the dynamic part, the power performance of the 1.5L engine is not to talk about the fierce, mainly to Shunhe Province, but the full speed adaptive cruise This function makes Chen Yao feel that it is quite easy to use.
After everything felt right, Chen Yao thought that the Toyota Corolla could be used as a qualified "candidate" anywhere, but he also wanted to see the Ford Focus again.
Later, as a result, Chen Yao paid the deposit and handled the loan procedures before the Spring Festival, waiting for the Toyota Corolla to be mentioned after the Spring Festival. As for why Volkswagen and Ford were not considered in the end, let's talk.
Ashkenazi/American? There are points of dissatisfaction
Let's talk about Volkswagen first, Chen Yao's father took him to see the car, but it was rejected by Chen Yao, so it eventually led to his financial support for buying a car being cut. Because the old man opened the Volkswagen Passat, so I want my son to open the Volkswagen Langyi under the same brand, which I can also understand the "persistence" of the older generation.
Then again, Volkswagen Langyi, which has about 27,000 discounts, is indeed a good choice. But the reason Chen Yao refused his father to buy Volkswagen Langyi was that "I don't have a car now, I have to wait, this is not OK." The actual reason is that he subjectively feels that although the reputation and market recognition of Volkswagen are very high, he is too familiar with this brand, and Volkswagen Langyi cannot bring him a greater sense of freshness, and there is no desire to test drive after seeing the real car that day.
He gave me an example: "Let's say, I grew up on the Toyota Camry until I grew up, and when it was my turn to buy a car, I wouldn't think about buying a Corolla of the same brand." Did not buy Volkswagen, not a discount, not a current car nor a product problem.
Then came the Ford Focus of his own choosing, the Ford store we went to that afternoon when he came out of the Toyota store. When we arrived, there weren't many people in the store, so we were greeted soon after registering the information, and we were already optimistic about the model before we came, the Fox hatchback 180 automatic front tide version, which cost 136,800.
The price is slightly more expensive than the Toyota Corolla above, but some of the configuration performance is not as good as the Toyota Corolla, and the active and passive safety is less lane departure warning, lane keeping assist, active braking, full-speed adaptive cruise, etc.; but it performs really well in the configuration of leather steering wheel, leather seats and some convenience.
If you buy a car, under the premise of a limited budget, the two cars have completely different configuration performance, you will definitely have your own priority aspect, Chen Yao tends to a more perfect active and passive safety configuration.
After the test drive, the 1.5T engine brought better power performance than the Toyota Corolla 1.5L engine, and the 8AT gearbox tuning was smoother, which made Chen Yao feel that the car was actually driving well. But the active and passive safety configuration is equally important in his view, if the active and passive safety configuration can be completed on this car, it is too good; this car is either nothing, or the price of about 150,000 is over budget.
Then, on the weekend of the next week, Chen Yao himself went to the Toyota store to pay the deposit and handle the loan procedures, and then he could mention the car after the Spring Festival.
summary
To be honest, the Toyota Corolla will definitely not be his last car, but this is his first car in the true sense of the word. If it is me, after sitting on the Volkswagen Passa specialty, and then choose Volkswagen, I may choose the same level or higher products, rather than downgrading the choice in the same brand, it is better to change the new brand to change the experience, I can understand Chen Yao and his father's "persistence".
I am not surprised to choose Toyota Corolla, the reputation of Toyota Corolla in the same level of models of the joint venture brand is well known, the cost performance is good, the product strength is excellent, the market recognition is high, and it should not be wrong to choose such a product. Moreover, the current 21,000 discount is indeed rare, and it is quite appropriate to sell now.
On the issue of the retention rate of the two cars, the new car landing price of the volkswagen Langyi 2019 model is about 159,500 yuan, and the price of the second-hand car after driving 14,000 kilometers is about 110,000 yuan. Toyota Corolla 2019 model, the landing price of the new car is about 147,400 yuan, and the price of the second-hand car after driving 35,000 kilometers is about 106,000 yuan.