As we all know, there are several ways to buy a car now, one is to buy in full, and the other is to buy with a loan, of which loan purchase can be divided into two kinds, one is a low down payment purchase, and the other is a zero down payment purchase.
Generally speaking, people with strength will choose to pay in full, while those without strength can only choose installments, either pay a down payment of tens of thousands of yuan, and make a mortgage with the rest, or directly make 0 down payment and borrow all from the bank.
There are a lot of such people in our company, in order to be able to go home decently during the New Year, no matter whether they have the strength or not, they go to learn to buy a car with a loan, and it is more expensive than one to buy, and after buying it back, they realize that it is difficult to even refuel with their own strength, let alone maintain a car, and it has become a so-called zombie car after being parked on the side of the road for a long time.
It is undeniable that the factory gate has become the hardest hit area for zombie cars, but the gate of the community is rare, why is this happening, the reason is very simple, some people are for demand, and some are for face.
I picked a few more symbolic cases of the company, there was a colleague with a monthly salary of less than 5,000, but he went to take out a loan to buy a Honda car of more than 200,000 yuan, at that time he thought that his parents gave him a down payment of 100,000 yuan, and the rest of his monthly payment in installments was only more than 3,000, and his salary was more than 4,000 yuan.
But after buying it back, I found that the car is a high consumable, whether you move it or not, it needs to spend money, and you can't afford to raise it with your own income alone, and you don't even have breakfast money left after paying off the car every month, let alone refueling, there is no way, you can only park on the side of the road and let it become a zombie car.
There is also a colleague who is even more outrageous, I heard that his classmate bought an Audi A4L, and his psychology was unbalanced, he also went to take out a loan to buy one, and he barely paid a down payment, and the car cost more than 4,000 a month.
He thought that as long as he was frugal, more than 5,000 wages must still be affordable, but he didn't expect that he began to borrow money everywhere after only 6 months.
But there are more and more people who have been borrowed, and he has not repaid it in time, and some people began to turn their faces with him, and after a big quarrel, he found that he couldn't even pay back the car father, how could he have money to pay off his private debts, and the reason why he borrowed everywhere was because the car father couldn't pay it back.
The borrowed person was speechless when he learned the truth, but what could he do? The car was bought with a loan, and he couldn't sell it, and you asked him to pay it back, and he said no, and to be honest, the money lent to him was basically a waste.
Although I don't know if there are such cases in other factories, judging from the number of zombie cars at the gates of many factories, there are definitely similar cases.
I think it is feasible to buy a car in installments, but you must carefully consider whether you have the strength, take this new energy vehicle under my name as an example, the necessary annual expenses are the following items, which can be used for your reference.
The first is the insurance premium
My car is a BYD destroyer 05 plug-in hybrid, the above is the quotation given to me by the four s store this year, the premium is 5576 yuan, because there is no insurance, after the discount is 4010 yuan.
The second item is maintenance fee
Four S shop regulations: the vehicle needs to be maintained every 5,000 kilometers, and the price of one is 530, I want to drive 10,000 kilometers a year, then it will be maintained twice, the cost is 1,060 yuan
The third item is parking fees
The parking space in our community is 300 a month, compared to the nearby community, the price is relatively low, the parking fee is 300 a month, and it is 3600 yuan a year.
Fourth, fuel costs
Although my car can be oiled and electric, but it is too troublesome to charge, so I generally use oil, with the current oil price per kilometer fuel consumption is about 4 cents, a year of driving 10,000 kilometers, the fuel cost is 4,000 yuan.
Combined with the above 4 expenses, my annual expenditure on this car is 12,070 yuan, not including the monthly car wash fee and the maintenance fee for a year, so I advise everyone, if there is no real demand, buy a car or be cautious, if it is just for face, I think it is really not worth it to borrow hundreds of thousands of dollars to buy a car.