20 years ago, car owners to 4S shop to buy a car are pay attention to one hand to pay money, one hand to pay the car, everyone carries a large pile of money into the 4S store to buy vehicles, but this sales strategy is too outdated, most Chinese car owners are not so much spare money, due to the restriction of purchasing power, resulting in China's automobile market has always stagnated, in order to boost car sales, major car companies began to launch loans to buy cars, so that owners "spend the money earned in the future" to enjoy the vehicle in advance. What is the essential difference between a loan to buy a car and a car in full? For car owners, should they choose to buy in full or with a loan? In this regard, the answer I gave is "if you can pay the full amount of money, don't take a loan", there are pits everywhere, according to their own car buying experience, after summarizing, write this article to persuade all car friends!
Buying a car in full is "simple and direct" and does not take a crooked road
Buying a car in full is the simplest and easiest operation, without any invisible consumption, how much money is spent is how much, such as the car owner buys a naked car with a price of 100,000 yuan for a family car, if it is a full purchase, the owner can bargain with the 4S shop, win the lowest car purchase price, choose the optimal configuration, for the insurance of the vehicle, the owner can make some choices according to personal needs, traffic insurance, commercial insurance and other on-demand configuration, and then pay the vehicle purchase tax, in general, the naked car price of 100,000 yuan of vehicles, 11.2 ~ About 115,000 yuan can be landed (different car owners, the type of insurance selected is slightly different).
Loans to buy cars, hidden charges more items
Loan to buy a car, its essence is to let the owner delay the delivery of the car, and the financial pressure of the extension is all borne by the car company, which in itself is an unfair consumption habit, in order to make the owner spend more money, the car company sets up a lot of pits for the owner of the loan to buy the car, with some hidden consumption, and finally calculated down, the loan to buy a car can make 4S shops and car companies make more money, so now 4S shops are very eager for users to choose the "loan" way to buy vehicles. The following is to introduce the common pits of loans to buy a car!
First of all, the loan service fee, although now many 4S stores have launched interest-free loans, do not charge interest to the owner, but the loan is a loan service fee, under normal circumstances, the loan is 60,000 yuan, the service fee is about 3000 ~ 5000 yuan, which is a big expense.
If the owner is on a loan to buy a car, the 4S shop has some bundled items. For example, during the loan period, all the insurance is purchased in the 4S store, the insurance for the first year of the new car is about five or six thousand, the insurance in the second year is about three or four thousand, only the cost of vehicle insurance, the 4S shop will be one or two thousand yuan / year, if the owner chooses a loan to buy a car, you can have a good talk with the 4S shop in terms of vehicle insurance.
Since the owner of the car is a loan to buy a car, in order to prevent the owner from paying back the money on time, or directly sell the car, and then die not to recognize the account, after the loan, the 4S shop will notify the owner to go to the car management office to deduct the vehicle to it, and add GPS to the car, and GPS is to the owner to spend money to buy, a GPS cost of about 2000 yuan.
In addition, very early on, if it was a loan to buy a car, the 4S shop also wanted the owner to buy glass insurance (310 yuan / year), body scratch loss insurance (400 yuan / year), if you buy for two consecutive years, you will spend 1420 yuan more. However, these items are now included in commercial insurance, in addition to wading insurance, spontaneous combustion insurance and so on.
In summary, if the owner chooses a loan to buy a car, a compact family car that was originally 100,000 yuan will finally reach more than 120,000 yuan, and the loan to buy a car will cost nearly 10,000 yuan more than the full purchase of a car.
Therefore, I advise everyone to insist on "being able to pay in full, not loan" when buying a car, which is the way to save money and avoid pitfalls!