"Get out of the way you don't buy"! Buying a full car was abused, why don't 4S shops like to sell "full cars"?
Top News Henan Business Daily reporter Wang Wanxian
"If you don't buy it, get out!" What is it called to buy a car for 100,000 yuan!" ......
Recently, the sales staff of Jiangxi Nanchang Hengxin FAW Toyota Motor Sales and Service Co., Ltd. insulted customers, which attracted widespread attention.
According to media reports, Ms. Li, the car buyer, said in an interview with media reporters that after she called the 4S store, the store said that there was a car in the store and the price could be negotiated, but it needed to be purchased in the store. So Ms. Li rushed from Guangzhou to the store in Nanchang, but the salesperson heard that Ms. Li wanted to buy the car in full, so they left them behind, and the store wanted her to take a loan. Then, the two sides had a fierce conflict.
So, why is buying a car in full unwelcome? What is the difference between buying a car in full and buying a car with a loan? In this regard, top news reporters randomly visited three 4S stores in Zhengzhou, and senior industry insiders revealed the "routines".
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The price of a loan naked car is lower than the price of a full naked car
What is the difference between buying a car in full and buying a car with a loan?
On October 16, top news reporters randomly visited three automobile 4S stores in Zhengzhou, including Geely Galaxy, SAIC Volkswagen and FAW Toyota, among which Geely Galaxy salesmen said that at present, the price of new energy vehicles is the same as that of loan purchases, and the quotations given by SAIC Volkswagen and FAW Toyota to buy cars in full and buy cars with loans are different.
In the SAIC Volkswagen 4S store, the top news reporter consulted a model with an official price of 118,900 yuan, and the sales staff told the top news reporter that if the model is bought with a loan, it can be about 2,000 yuan more than the full purchase, and must be licensed by the 4S store, and the service fee is 800 yuan.
In the FAW Toyota 4S store, the top news reporter consulted a model with an official price of 334,800 yuan, and the sales staff told the top news reporter that if the model is bought with a loan and bought in full, it can be discounted by about 8,000 yuan, and the loan can be free of service fees for 2 years without interest, and the corresponding service fee needs to be charged for 5 years without interest.
After visiting, the top news reporter learned that the price of a naked car for the same car, choosing to buy a car with a loan, is cheaper than buying a full car. Why is that?
An industry insider introduced to the top news reporter that to buy a car with a loan, usually the car 4S shop will first reduce the price of the naked car, and then make up for the reduced naked car price difference by charging some additional service fees, such as financial service fees, licensing fees, insurance service fees, etc.
Taking a car priced at 200,000 yuan as an example, the cost of buying a car in full is: 200,000 naked cars, 17,700 vehicle purchase tax, 390 vehicle and vessel taxes, 950 compulsory insurance, 6,000 yuan (first year) for vehicle insurance and car damage insurance, and the total number of new cars landing is about 225,000.
Loan to buy a car, even if it is a 0-interest loan, in addition to the above fees, it may also include financial service fees, licensing fees, and insurance service fees. These additional costs are about 5,000-10,000 yuan, so a loan to buy a 200,000 car requires 230,000 yuan, or even more than 240,000.
Often at this time, the car 4S shop will give "comprehensive discounts" to make concessions, including naked car discounts plus gifts such as full car film, driving recorder, and full car mat, so that customers can more easily accept loans. But overall, customers choose to take out loans to buy cars, and car 4S stores have greater operational profit margins.
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"Novice Xiaobai" looked over, loan to buy a car must pay attention to these additional service fees
"If you buy a car in full, there is no reason for the car 4S shop to charge other additional services."
The industry insider introduced that now, the profits of automobile 4S shops mainly come from after-sales repair, maintenance, new car price difference, completion index OEM rewards, car loan business rebates and other expenses, a large number of sales personnel also rely on car loans to get higher commissions.
When taking out a loan to buy a car, the most common accessory service fees are financial service fees, licensing fees, mortgage fees, and vehicle insurance service fees.
Among them, the financial service fee is the service fee charged by 4S stores to help customers handle loans, generally charging 3000-6000 yuan.
The licensing fee generally ranges from 1000-2000. The owner of the whole car can go to the vehicle management office to get the license plate by himself, and the cost is about 500 yuan. However, loan cars, because the motor vehicle registration certificate and other information are mortgaged in 4S shops or financial companies, are generally handled by 4S shops.
Mortgage fees, that is, motor vehicle registration certificates and other information are pressed on the service fee charged by 4S stores or financial companies, generally charging 1000-3000 yuan.
Vehicle insurance, the first year of insurance for the loan car must also be bought by the 4S store, because the loan car is equivalent to the car mortgage to a financial institution, so the beneficiary should be changed to a financial institution, generally by the 4S shop agency, more than 1500 yuan more expensive than their own purchase, which is also equivalent to the vehicle insurance service fee.
Why do sales say, "It's more cost-effective to take out a loan to buy a car?"
When customers go to buy a car, sales often mention "Is it more cost-effective to take out a loan to buy a car?" Is this true?
You can also calculate an account: if a customer has enough funds and wants to buy a car of 200,000 yuan, according to the above calculation method, the naked car + service fee is processed for a total of 240,000, the down payment is 30%, and the remaining 168,000 loans are provided.
Then if the interest rate of the 4S shop car loan is relatively low or even interest-free, or the bank deposit interest rate is higher than the loan interest rate, in this case, even if you deposit your own money in the bank, and then go to the loan to buy a car, it is cost-effective. There are also people who can generate more profits by taking this money to make other investments, so it is also cost-effective to choose a natural loan.
Therefore, the loan to buy a car is not all pits, sort out the difference between buying a car in full and buying a car with a loan, and express your willingness to make it clear with the 4S store in advance, whether it is a full payment or a loan, what suits you is the best.
[Survey: Would you rather buy a car in full or take out a loan to buy a car? 】
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Source: Top News Client
Editor: Miao Yaxiang Review: Hua Lijuan