Nowadays, people have a variety of consumption methods, and many young people like to pay in installments when they buy things. As a bulk commodity, the price of cars is particularly expensive, and many people cannot get the full amount when buying a car, and can only choose a loan to buy a car.
Which is better than a loan to buy a car or a car in full? Some car owners find that the sales of 4S stores strongly recommend loans to car owners to buy cars, and loans to buy cars are not only cheaper, but also get more giveaways. The owner will not reduce the price when he mentions the full purchase of the car 4S store, why is this?
First, the full purchase of cars 4S shops earn less.
Many sales recommend that car owners buy the car in full, and also say that it is considered from the efficiency of the owner to reduce the pressure for the owner. The words of sales sound grand, but in fact, they are not at all careful. 4S shop recommends that car owners take out loans to buy cars, mainly to get financial service fees and commissions from financial institutions.
Some sales in order to persuade car owners to borrow money to buy a car prefer to give customers more discounts, but also give customers maintenance cards oil cards and other services. These sales are not considered from the perspective of the owner at all, but only to squeeze more benefits from the owner.
Second, increase performance.
Many dealers have sales performance and have to complete the business volume of loans to buy cars every quarter. Sales coupon car owners loan to buy a car is to achieve their own performance goals, performance and bonuses linked, the more loan owners, the better the performance of the sales completed.
The difference between a loan to buy a car and a car in full:
It is not recommended that you take out a loan to buy a car, but consider it from the perspective of the owner. Many 4S shops recommend that car owners take out a loan to buy a car, and also tell the owner that the interest rate on the loan to buy a car is very low, and there is no handling fee. After the owner decides to take out a loan, the bank will collect a large amount of money from the owner in the name of financial service fees.
A loan to buy a car is certainly more expensive than the full purchase price of a car, and if you buy a private car of about 100,000 yuan, the owner must bear at least 5,000 yuan of financial service fees and 1,000 yuan of GPS installation fees. The more expensive the price of the car, the higher the financial service fee, and the financial service fee for buying a luxury car of more than 600,000 yuan is close to 20,000 yuan.
In this era of rapid Internet development, the price and discount of cars have become very transparent. Car owners can check the official price of the car and the preferential range of different stores on the Internet, and the dealer can only make money from the loan to buy the car.
Some car owners find themselves looking at the car when the sales try to persuade themselves to borrow money to buy a car, when they say that they want to buy a car in full, the sales are like a change of face, neither willing to reduce the price nor give gifts. The reason why the attitude of sales has changed so much is because of the loss of a customer who took a loan to buy a car and took a part of the commission.
Don't think that the loan to buy a car only pays an extra financial service fee, and the dealer will also make a lot of money from the owner for additional business such as license plate and insurance. The process of buying a car with a loan is complicated, the owner first mortgages the car to the bank, and then goes to the bank to go through the binding procedures after paying off the loan.
All in all, if the situation allows, it is not recommended that you take out a loan to buy a car. Although the loan to buy a car can alleviate the pressure of the owner and let the owner use the money to invest first, from the perspective of income, the owner of the loan to buy a car has the most losses.
If you must take out a loan to buy a car, you can negotiate the price with the dealer and let the dealer send a few more fuel cards to minimize the loss.
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