Women's requirements for the car are not high, but for most of our domestic men, the car is equivalent to their own façade, so when boys buy a car like a woman investing in their own face, most men will choose to buy a car they like after they have money, but the type of car that every boy likes is different, and the style of our domestic car is also more, there are off-road vehicles, sports cars, etc., of course, the current economic situation and living standards can not be compared with previous years. Therefore, people are more rational in the face of car and real estate consumption.
The way to buy a car
In order to make people's consumption more prosperous, so now online loans, including other aspects of the impact, so that many young groups have a consumption concept of advanced consumption, people can choose mortgage loans when buying a house, but most people will have loans to buy houses, because now the price of houses in our country is indeed ridiculously high, not ordinary families continue to take out all of them can afford to buy, and even if they can afford it, they still need to decorate after buying a house, buy furniture, home appliances, Including the property fees and other management fees in the housing process, so in order to live in the house as soon as possible, people usually choose the mortgage loan method when the funds are sufficient.
In addition to buying a house requires a loan and can be consumed ahead of time, it is also possible to buy a car. Now there are some young groups after just getting married, at the same time saddled with mortgages and car loans, of course, the reason why people carry mortgages in large quantities, the situation of car loans is related to many factors, for example, now in the process of buying a car, the sales staff hopes that the owner can buy this car through a loan, not long ago, a netizen posted some videos of the 4s store to the network. In this video, a salesperson is crying very sadly.
The reason turned out to be that the owner wanted to buy the car in full. However, after hearing this news, the salesman's mood is suddenly bad, the reason why the salesman's mood and attitude have undergone such a big change, and the way people buy cars has a relatively large relationship, buying a car in full, although the sales staff also has a commission, perhaps compared with the mortgage loan, the commission is much less. I believe that many people with experience in buying a car have such a feeling, especially when talking about the price of the car, the 4s shop can feel in the words, very much look forward to the owner can use the loan to buy a car, as for what is the same reason, only the insider can explain it clearly.
The psychology of salespeople
However, we ordinary people need to understand the difference between buying a car with full payment and buying a car with a loan, buying a car with full payment, when buying a car, you need to pay all other expenses such as emergency rescue and purchase tax, and the purchase tax is basically about 10% of the price of the car. In addition to other expenses, the owner of the car can handle it himself, so basically these fees are completely transparent, 4s stores can not get any benefits in this, open a store is to make money, these salespeople if you let the people who buy a car choose the way to buy a car in full, then they can earn a lot less profit and achievements.
If the person who buys the car chooses a mortgage loan, then the sales staff and the store can obtain higher profits, so in the process of selling the car, it is hoped that consumers can take a loan to buy the car. For example, to buy a car worth 400,000 yuan, if you use the full amount of money to buy this car, then the profit that the whole store can earn is about 4% of the total value of the car, but if you choose a loan to buy this 400,000 car, you first need to pay a certain down payment, in addition to the need to pay insurance and other extra costs, in this extra step and cost, the store and sales staff can exploit these loopholes and earn more profits.
But the 4s store does not only make money with this, the store as an intermediary, the owner of the car introduced to the bank, but also from the bank to get 3% of the rebate, 200,000 of the 3%, about 6,000 yuan, in addition, if the owner chooses the way to buy a car with a loan, then you can only choose to buy the full insurance in the store, so that you can also bring some other income to the 4s store, the sales staff can get some commission every time they sell a product, and the other sales staff in the store are the same, such as car insurance.
Loans to buy cars for salespeople make more profits
Selling insurance can get different degrees of commission, every time the store sells a car insurance, you can also get a commission, from the internal news revealed that you can get about 45%, how can this not earn 8000, 10,000? It should also be noted that if you use a loan to buy a car, if there are some problems in the process of use, because the loan to buy a car will install a positioning system, this positioning system can be dismantled until the loan is paid off, and the money for installing the positioning system is naturally from the person who buys the car.
Just installing this system 4s shop can probably earn about 2,000 yuan. In this way, the whole store with the sales staff can basically earn a few thousand yuan, but if the owner chooses the way to buy the car with a loan, then both the store and the sales staff can get more money in the middle, and easily get tens of thousands of yuan of profits. Now people will need a favorite means of transportation because of different needs, but now although the automobile industry is in a saturated state, but the car is a consumable, people change the speed is relatively fast.
Many stores in order to allow consumers to be able to buy a car in their own stores, and even some zero down payment installments to buy a car offer, although it seems to be an activity, but this is also the routine in the store, during this preferential period to the car to mark a limited time limit, will make many consumers determined to buy a car during this period, of course, this is also a sales strategy, to a certain extent can also stimulate people's consumption, so that the car transaction volume is greater, because of this activity, Many car buyers still think that they have picked up a bargain, but in fact, people who sell cars can make a lot of money.
epilogue
Zero down payment installments to buy a car, although it is true that not a penny was spent when buying a car. But from the commission of the sales staff of the 4s store, it can be seen that this sales strategy is to achieve a win-win situation, choose a loan to buy a car, the staff including the entire store can extract more profit points, people also need to consider when buying a car, if their own funds are more sufficient, it is better to choose to buy a car in full.
If you do not have much spare money in your hands, but you are anxious to buy a set of cars, then when there are some discounts in the store, it is also very good to take advantage of the discount, and the specific choice of how to buy a car also needs to be decided according to your own economic situation, but if you choose the way of loan, then you must make other relevant preparations before the loan to avoid being led by the staff.