On the mainland, the car sales industry has always had a problem, and one point that many people can't refute is that the priority of taking out loans to buy cars is high. This phenomenon is actually very strange, some car prices are obviously not very expensive, many families can afford a full car price, so they prefer to buy a car in full, in case they forget to pay off the loan or need more expensive charges.
▲Buy a car
The current status of buying a car
With more and more cars, related technologies are more and more developed, people's travel has become more convenient, and many families can afford to drive. Relevant data show that the number of motor vehicles in the mainland last year was nearly 400 million, and for a family, having a car is indeed almost the same. And now the mainstream trend is that many sub-generation students, when they are admitted to college, are basically adults and can get a driver's license, so they will choose to learn to drive when they are in college, so now there are more people who can drive cars, and these people will also want to own cars in the future. Therefore, the market for buying a car is definitely different from buying a house, after all, buying a house generally needs to live for decades, and buying a car may be changed for more than ten years.
Buy a car in full
Anyone who has bought a car knows the difference between buying a car in full and buying a car with a loan. First of all, let's talk about the full purchase of the car, the full purchase of the car needs to pay more fees, such as the license fee, compulsory insurance, etc., and the price is very transparent, that is to say, in addition to the cost of the car itself, the owner also needs to pay a large amount of fees.
In fact, there is no big problem in doing so, after all, the way of payment is now very convenient and fast, and the card is swiped and waiting for the formalities to be completed before you can pick up the car. But it was persuaded by many salesmen to take out a loan to buy a car, saying that it was for the sake of the customer's interests, is this true?
▲Buy a car in full
Loan to buy a car
Of course, it is not true, the salesman of the 4S store is the sales industry, the ultimate purpose is for their own profits and commissions, it must be because the loan to buy a car can make him more profitable, they will be more willing to let customers take out a loan to buy a car. For example, for a car of 150,000 yuan, if you buy a loan, you need to pay a down payment first, and then repay the loan every month. Among them, the profit and loan profit convenience are negotiated with the bank, which is about 100,000 yuan of loans, and the 4S store can get 3,000 profits, not including some kickbacks. And the relevant regulations say that if the consumer is purchased in the form of a loan, he must pay a guarantee deposit, which is not a small income. In short, the loan to buy a car must be an overall favorable behavior for the 4S store.
▲Buy a car in full VS loan to buy a car
Although it is said that there is no interest, but the handling fee, material fee, commission and other materials are all in need of money, if you do not pay, you wait, do not know how long it will take to get approval. Roughly calculated, the loan to buy a car of 150,000, in the case of not counting the profit of this car, the 4S shop can earn more than 10,000, and may even be more, according to different areas of different 4S shops to buy different cars are not the same, there will be a lot of floating.
So do you want to follow this principle? Some people said that I didn't pay more than a penny, the loan will remember to pay back, I bought a car, the 4S store also had a rebate, and then the sales staff also had performance bonuses, why not do it? But some people say that the 4S store is very dark, who knows what reasons the future 4S store will pay you more, many people are holding that I would rather spend more money, rather than let your 4S store make a penny, I don't know what you think.
▲ 0 interest rate loan to buy a car
summary
Merchants will never put themselves at a disadvantage, at the moment of buying a car, the focus of the whole audience is on the money, the full amount has the benefit of full payment, the loan also has the convenience of the loan, all of which depends on the subjective will and needs of the individual. Remind everyone that when buying a car, pay attention to the relevant agreements on the contract to avoid unnecessary losses.