When the economy is good, you can get a loan to get into a car, and you can buy a house, a car or even a mobile phone in installments.
What about bad times? Can you not pay back the debt, at any time I suggest that you do things to keep a hand, the people who took out a loan to buy a car now encounter a very obvious pressure: under the pressure of the mortgage, there is a car loan car, is it good to drive or not to drive?
Driving, facing the high price of oil, does not open, and the significance of repaying the car loan is not very large.
Minsky moment is a well-known economic point of view, when the economy is growing very fast, all kinds of people add leverage consumption, when the return is not enough to fill the risk, there will be a collapse.
You have to take a loan to buy a car, which shows that many people are leveraged in the matter of buying a car.
There are many examples around me, gritting my teeth to buy a car, and it has been extremely difficult in these years.
Case A: Brother-in-law.
About last year, the brother-in-law bought a Haval H6, 30% down payment, about 50,000 to buy a car, installments for two years, a year of about 2700 monthly payment, the current pressure is multifaceted, children go to school, husband and wife consumption, mortgage pressure, a month net expenditure of about 7000 yuan.
In fact, in third-tier cities, two people can only make this money.
Without this 2700 car loan pressure, it is obvious that you can live well, and the intention of buying a car is to make your life better, but it has become a scale to squeeze the quality of life.
Case B: Colleague.
At the beginning of this year, colleagues took out a loan to buy an Audi A6L top match, with a monthly payment of about 20,000 yuan and a down payment of about 100,000 yuan, which is more than 200,000 yuan spent on the car every year.
Car loans of more than 200,000, insurance of more than 10,000, a variety of expenses directly empty wallets.
Because I am still saddled with mortgages, and at present, the pressure of car loans far exceeds the pressure of mortgages, and I often comfort myself, and it is difficult to spend two years.
I am more outspoken, after paying off the car loan you will find that the A6L you bought for 500,000 yuan is only worth 350,000 when you pay off the mortgage, and the extra useless expenses in the past two years exceed 50,000, such as interest.
I mean, the car itself is a consumable, there's absolutely no need to take out a loan to buy a car.
The house can be loaned, because if the house is bought correctly, there must be room for appreciation, and the attributes of the car itself are consumables, without any financial attributes, and secondly, the amount of money in the house is too large, and there is indeed no way to pay a one-time payment, and the car can be landed from 50,000 to 500,000.
No money can first buy a Fit top, have money to change the Passat, Regal and other medium-weight products, really have money can be on the BBA such a car. There is absolutely no need to apply the future quality of life to tough on the car, especially in these years.
Regarding loans to buy cars, all dealers and car brands are currently encouraging you to take out loans, and the things they try to support are often beneficial to themselves, on the one hand, you can buy a car with the least amount of money, on the other hand, they have their own financial service center, loans use their funds, interest is paid directly to them.
As long as you are bold, 10,000 can mention a car of 100,000, but the subsequent handling fees and interest must be able to suppress you breathlessly, and the bolder ones can make a down payment of 50,000 Toaudi A6L.
Why bother? Never overestimate your ability to make money, and don't underestimate society's ability to beat up.
To follow a quote from Minsky:
When the days are good, everyone dares to be idle, and the longer the good days, the more people dare to take risks, and one day they will stand at a critical point, and the benefits generated will not be enough to pay off future debts, and the collapse will begin here.
Simply put, how big your feet are, how many shoes you have to wear.