Nowadays, with the rise in raw material prices, all walks of life are rising in prices, and in the era of overall price increases, the price of cars is cheaper. Santana sold for more than 100,000 yuan in the 1990s, and now the price has fallen below 100,000.
Car prices are getting cheaper, many families have become car owners, some owners are under budget, and when buying a car, they will choose to pay in installments. What is the difference between a loan to buy a car and a car in full? Do a fortune and you will find that there is a lot of money in the middle.
Based on the domestic car of about 100,000 yuan, if you buy a car, the purchase tax is about 9,000 yuan, the compulsory insurance is 950 yuan, the vehicle and ship tax is 450 yuan, and the insurance premium is about 4,000 yuan. Some 4S stores will make the owner pay a license fee of about 500 yuan, in short, buy a domestic car of 100,000 yuan for less than 120,000 yuan.
If you choose to borrow money to buy a car, although you can pay 30% of the down payment to pick up the car, there will be a lot of additional charges. Now many 4S stores give preferential policies for low-interest loans, and loans to buy cars only need to pay dozens of dollars more interest every month, which sounds like insignificant.
However, many car owners ignore the handling fees that need to be paid for loans to buy a car, financial service fees, GPS mortgage installation fees, and so on. Buy a domestic car of about 100,000 yuan financial service fee of about 5,000 yuan, GPS mortgage installation fee of about 1,500 yuan, some 4S stores will also let the owner pay 1,000 yuan of license fee.
When you take a loan to buy a car, the owner also has to bear the cost of purchasing tax and compulsory insurance, commercial insurance, etc., but the landing price is much more expensive than buying a car in full. To buy a domestic car of about 100,000 yuan, the loan to buy a car costs about 8,000 yuan more than buying a car in full. The more expensive the car, the higher the difference between a loan and a full purchase.
The owner of the car, Mr. Liu, bought a 400,000-strong Mercedes-Benz sedan, Mr. Liu originally planned to buy the car in full, and the sales told him that there was no discount for buying a car in full, and the loan to buy a car could give away a 360-degree panoramic image, as well as a 2,000 yuan fuel card. Mr. Liu thought that it was more cost-effective to buy a car with a loan, so he applied for a loan to buy a car, but he did not expect to spend more than 10,000 yuan after buying a car.
Mr. Liu purchased a Mercedes-Benz sedan with a higher cost, with financial service fees of nearly 12,000, GPS installation fees of 2800 and license fees of 1000. Mr. Liu spent more than 10,000 yuan, only to get a 2,000 yuan oil card and a 360-degree panoramic image, how to calculate him is a loss.
Later, the owner of the car to apply for a loan, after buying a car every month to the bank card to play a part of the money to repay the loan, if the owner forgets to pay the bank card even if it is overdue, the bank is likely to recover the owner's car. Some car owners forget to go to the bank to go through the binding procedures after paying off the loan, and the big capital of the car is still mortgaged in the bank, and it is inconvenient to sell the car.
Editor's Comments:
Although the loan to buy a car can get the car at a low price, but the car owner pays more price difference, it is not as good as the full amount, and it is more worry-free and cost-saving to buy a car. 4S shop suggests that car owners take out loans to buy cars not completely from the perspective of car owners, but to complete their own loan tasks.
I hope that the owner of the car to consider whether he has the ability to buy the car in full, if he has the ability to buy the car in full, it is best not to take out a loan. The loan to buy a car is only suitable for those families with insufficient budget, after all, the difference between buying a car in full and taking out a loan to buy a car is at least 5,000 yuan.
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