Nowadays, with the continuous expansion of the scale of the city, the people must use transportation to go out. The mainland's economic development is quite outstanding, but also makes people's living standards have been greatly improved, the car has entered thousands of families, has become one of the main means of transportation for the people, the people do not rely solely on buses, subways and other modes of travel.
Although car travel often has parking difficulties and car congestion, there are more and more families with private cars, and the automotive industry is now becoming more and more competitive. Models suitable for various family price points were also manufactured. Further boosts consumers' desire to buy cars.
Nowadays, when buying a car, there are often two ways, one is to buy a car in full, and the other is to take out a loan to buy a car. When the owner chooses to buy a car, he often struggles with whether to buy a car in full or with a loan to buy a car, in fact, we can see the difference between the two ways to buy a car by counting an account, so that everyone should be clear about how to choose.
Owners who are struggling with the full purchase of a car and a loan to buy a car should be because of the shortage of funds. Car owners who have a deposit and can afford to buy a car in full will often choose to buy a car in full. After all, the economic situation is relatively good, and there is a fixed income every month, and if you buy a car in full, it will not affect the family's living standards. This is the benefit of buying a car in full, after buying a car, you only need to pay the monthly fuel money and car maintenance costs, which does not have much impact on your quality of life.
For the family who borrowed money to buy a car, it is different, even if the family living in the third-tier city, the daily living necessary expenditure for a month is about 2,000 yuan, if the loan to buy a car, the minimum expenditure a month will be about 5,000 yuan, which will greatly affect the quality of their family life, there is a certain car maintenance cost after buying a car, so what is the difference between each car of about 100,000 yuan for the loan and the full family?
The car of about 100,000 yuan is basically more suitable for family use, and it is completely enough as an ordinary means of transportation. Buy a car for 100,000 yuan, plus purchase tax, insurance and service costs, etc., the combination will also be about 110,000, here refers to the full purchase of a car, there is no financial service fee, and vehicle insurance does not need to buy full insurance, so it will be relatively cheap.
Loan to buy a car, mainly different from the interest rate of the loan, generally speaking, the bank's loan interest rate will be about 5 points, the manufacturer's finance will have 8 points, this way of buying a car, will be welcomed by the manufacturer, so the car price will be preferential, even if the best-selling model, will also take the initiative to pay the owner gifts, maintenance, pillows, etc., but in general, if the loan to buy a car, the cost will be about 10,000 yuan more than the full purchase of the car, 100,000 yuan of the car, the landing price is about 120,000 yuan.
This is only the cost of the car at the time of purchase, after the purchase of the car for refueling, maintenance, fines, repairs, etc. About 800 bucks a month. If the family conditions are average, the loan to buy a car plus the cost of each monthly repayment will exceed 3,000 yuan, plus the daily expenses of the family, and the monthly cost is more, about 6,000 yuan. If the husband and wife are paid about 5,000 yuan, the balance of a month is only more than 4,000 yuan, plus other daily life costs, which will make their quality of life decline to a certain extent.
Well. For the topic of buying a car, whether it is a loan or a full purchase of a car, it is necessary to decide according to their own economic ability, according to their actual situation, it is not necessary to pursue the pursuit of quality, after all, if you buy a car beyond your own economic ability, it will make your life pressure greater, and the family car generally will not exceed 10,000 kilometers a year, so the quality demand for the car is not high. Buying a car that suits your family is the most important thing. Do you have any good suggestions and ideas on this topic? Welcome to leave a comment, let's communicate together.