With the development of science and technology, people's travel patterns have been greatly improved. With the gradual improvement of people's living standards, everyone improves their quality of life in a variety of ways. The car was originally a tool for the rich, but later entered everyone's life and became a necessity of life. Having a car in everyday life can be said to be very convenient, so many families are buying vehicles. People who have been to 4S stores believe that if they have the intention to buy a car, the sales staff of the 4S store will suggest that buyers take out installment loans to buy, and some automakers will introduce zero-interest loan methods. This way feels very cost-effective, is the 4S store really going to do a loss-making business?
First, the loan to buy a car, the 4S store has a greater income, and the 4S store is a profitable enterprise, so it is not only necessary to ensure that it will not suffer losses in the process of operation. And in order to ensure the profitability of enterprises, efforts must be made to create greater profit margins. 4S shops prefer not to charge any interest, encourage car owners to borrow money to buy cars, it can be seen that between car buyers loan to buy cars and full car purchases, 4S shops have higher profits from loans to buy cars.
1. Financial service fees, such as buyers need to buy 200,000 yuan of cars, buyers need to pay a 30% down payment when picking up the car, and the remaining 70% of buyers need to pay a loan. When the buyer takes out a loan when buying a vehicle, the 4S store can charge a certain financial service fee. At present, most of the financial service fees account for 3% of the owner's loan amount, and according to the owner's loan of 140,000 yuan, the 4S store can make a profit of 4200 yuan. Not only that. After the buyer's loan is successful, banks and financial institutions will bring certain benefits to the 4S store. Usually 3% of the total loan amount. In this way, a vehicle of 200,000 yuan, the net income of the 4S store is about 8,000 yuan.
2, the insurance company back points, if the owner chooses to borrow money to buy a car, the 4S store needs to buy vehicle insurance in the 4S store. Some 4S stores adopt the method of bundled marketing, bundling some insurance benefits with the car supporting business, and the customer purchases the corresponding car insurance after the contract takes effect after the supporting business is signed. Everyone thinks that car insurance needs to be purchased, but the 4S store still has discounts. There is no loss in buying. But in the eyes of 4S stores, if customers buy insurance at 4S stores, the revenue of 4S stores will increase. The survey showed that the rebates for returning to 4S stores from insurance companies exceeded 45% of the cost of purchasing insurance. That is to say, almost half of the car insurance costs purchased by the owner in the 4S store are in the pocket of the 4S store.
When buying insurance, everyone chooses different items, but the insurance fee for most new cars is generally around 8,000 yuan, so a car in a 4S shop can charge 3,000 to 4,000 yuan. Not only that, but the profit of cars sold in 4S stores is not calculated by one car, but by the order volume of cars sold. The more vehicles a 4S store sells, the more profit they make. 4S stores can't make money just by selling cars in full. Even old cars have a lot of cars that are selling in deficit. Therefore, in addition to reaching a certain number of sales to increase their commissions, the employees of 4S stores also need to complete as many orders as possible for loan sales cars when selling.
Second, zero interest rate, how to make money in 4S stores, buyers buy cars through loans to buy vehicles for 4S stores sales and 4S stores are very good things. Because not only can you sell vehicles, but you will also bring additional income to 4S stores. Many buyers want to buy a car in the 4S store, the seller will tell the buyer that they can borrow money to buy a car, not only do not need to bear the bank interest when buying a car now, but also the 4S store will give corresponding discounts. So is this really the case? 4S stores are not charitable, if they do not get the benefits, how can they plan for consumers? 4S stores are not eligible and can lend money to customers, so they can only be done by car manufacturers and banks that cooperate with 4S stores. Moreover, the buyer's loan not only needs to provide the corresponding asset certificate, credit report, etc., but also after these information is handed over to the bank, the bank also needs to conduct the corresponding review, so that the lender has sufficient repayment ability to lend. It can be seen that loans are very complicated and cumbersome. If there is no profit in the sale, why bother?
In fact, the zero-interest rate car launched by the 4S store is not that the bank does not charge interest when lending, but that the interest generated by the loan is borne by the 4S store and the car manufacturer. The salesman recommends that the buyer take out a loan to buy a car because the salesman's basic salary is low, and the main wage component is the commission obtained when selling the product. If the consumer chooses to take out a loan to buy a car, the salesperson will receive a higher commission due to the higher profit of the last store. In addition, the loan to buy a car is not cost-effective for consumers, and it takes 220,000 if the full 200,000 car loan is required. Such a loan to buy a car not only has certain drawbacks, if the buyer's capital turnover is not good, forget to return the loan, not only will affect the credit, but also may lead to the vehicle being recovered by the bank. But that's not to say that there's nothing good about taking out a loan to buy a car. Because buyers especially like a certain car, but their own funds are limited. It is also possible to take out a loan to buy a car. Although a loan to buy a car costs a part of the cost than buying a full car. However, it is also a good thing that consumers get their favorite car and can also enjoy it in advance.
To sum up, after all, 4S shop loans to buy cars are to increase their own income, but consumers need to consider specific practicality and economy when buying a car. Whether it is a loan to buy a car or a car in full, there is no problem. It mainly considers the economic strength of consumers and the demand of the selected model. If you can afford to pay in one lump sum, you'd better choose the method of buying a car in full. Because you can save a lot of money. But if you can't pay your own ability in one lump sum, taking a loan to buy a car can relieve stress and enjoy life after having a car in advance. So, what do you think of why 4S shops recommend not charging interest and using loans to buy cars?