The price of the car is very transparent, and consumers can check the discount of the car and the store online. Dealers can only make money on consumers in other ways, such as recommending preferential services for buying cars with 0 interest to consumers.
When consumers look at cars in dealer stores, sales will strongly advise car owners to take out loans to buy cars. Sales may tell the owner that it is the most unwise thing to do to buy a car with all the money, but it is better to choose a loan to buy a car and use the rest of the money to invest in financial management. Loan to buy a car without paying interest, how to calculate the owner of the car is earned.
In order to attract customers to borrow money to buy a car, dealers will also promise customers that there will be no gifts for buying a car in full, but the loan to buy a car can enjoy free maintenance and can also give a fuel card. Many car owners are very excited about the loan to buy a car under the recommendation of sales, and obviously have the strength to buy a car in full, but they do not hesitate to choose a loan to buy a car.
The gap between a loan to buy a car and a full-money car is very large, and after three months, the owner feels that the loan to buy a car costs more money. Although the loan to buy a car does not have to pay interest, the dealer will let the owner pay a financial service fee. The financial service fee is theoretically the service fee charged by the bank to help the car owner handle the loan, but in fact it is a disguised expenditure of interest.
Different brands and different price points of the car charged different financial service fees, a female owner bought a Mercedes-Benz worth 600,000 yuan, the financial service fee is as high as 15,000 yuan. The financial service fee for buying about 200,000 family scooters is about 4,000 yuan, and the service fee charging standards for each brand are different, and some brands actually increase the financial service fee to 6,000 yuan.
Advantages and disadvantages of a loan to buy a car:
The first advantage is to solve the urgent need.
Some car owners have a limited budget and urgently need to buy a car, and taking out a loan to buy a car in the case of insufficient budget is the most cost-effective way to buy a car. Many dealers have launched a low-down payment to buy a car, and the owner only needs to spend 30,000 or 50,000 yuan to buy a 200,000-yuan joint venture car.
Second, the offer is greater.
Sales will generally be more preferential to customers who take out loans to buy cars, loans to buy cars are about 2,000 yuan cheaper than buying a car in full, and some stores will give free maintenance services to car owners in order to get the rebates given by the loan bank.
The disadvantage of taking out a loan to buy a car is that there is too much invisible consumption.
Dealers will only tell the owner to take a loan to buy a car without interest, but will not tell the owner that the loan to buy a car needs to pay GPS installation fees, financial service fees and other unnecessary expenses. In fact, the wool is out of the sheep, although the owner did not pay interest, but the excess money is higher than the interest rate of the bank loan.
The second disadvantage of a loan to buy a car is trouble.
After handling the loan service, the owner needs to pay money to the card that repays the loan every month, in case the owner forgets to repay the loan in a certain month, the bank will send a warning notice to the owner, if the owner does not pay the loan within the specified time, the vehicle will be directly locked and cannot be started.
Editor's Comments:
When buying a car, a one-time payment is obviously the most rational way, buying a car in full will not bring too much psychological burden to the owner, the owner does not have to save money in the bank card every month, and do not have to worry about not paying off the loan in a certain month. If you have a really low budget, you can choose a loan to buy a car, but you must negotiate financial service fees with dealers before buying a car to avoid being pitted.
The pictures in this article are from the Internet, if there is infringement, please contact to delete