With the progress of the times, people's understanding of cars is no longer just a means of transportation, it satisfies some people's face and vanity at the same time. Although the number of car brands continues to increase, only a few brands can stand at the top of the "pyramid." Especially BBA, just a keychain with four turns, can also make people enviable and jealous. This strange phenomenon has also appeared. I have enough money to buy a car, but those who can't afford it look down on it, and those who can't afford it want to buy it.
At present, the mainstream way to buy a car is to buy a car with full money and a loan to buy a car. In particular, 4S stores are under great sales pressure, and most salespersons will encourage people to borrow money to buy a car. The advantage of borrowing a car is that you can pay a portion of the money first, drive your favorite car home, and then pay back the money slowly, but it also increases the cost invisibly. To buy a car in full, you can only save enough based on the money in your hand, and you can pay it all, without a penny in your hand. Both have their own merits, but when everyone buys a car, they still hesitate, after all, the interest in the middle is still not a small expense. So how to choose? Which one is more cost-effective to buy a car or take a loan to buy a car? Don't think too simple, you will understand after reading this article.
Taking a 100,000 bare car as an example, the down payment is generally about 20%-50%. We calculate it based on the down payment of 30,000, which means that a loan of 70,000 yuan is required. Most car buyers will choose to install in installments for 3 years. The monthly loan needs to be 2106 yuan. However, after the loan, insurance is generally purchased in the auto repair shop. Compulsory insurance, auto damage insurance, and third party liability insurance of 1 million yuan do not count as deductible, that is to say, auto insurance is 5332 yuan. In addition to these, there are various additional fees, such as GPS, financial service fees, etc., but anyone who chooses to take a loan to buy a car will lose the opportunity to bargain with 4S shops. Together, these things basically cost an extra $20,000.
Calculated in this way, buying a car in full is indeed much cheaper than buying a car with a loan. But here is another point. Some people who buy a car are in business or have financial management experience. In their eyes, this additional cost is negligible. In the final analysis, they rely on borrowing to make money. Loan to buy a car is not the patent of the "poor". As long as there is no pressure to repay the loan, they are more willing to choose a loan, first having fun and then repaying the loan.
In addition, in recent years, many 4S stores are under sales pressure and will engage in many preferential activities, such as zero down payment or interest-free loans to car owners. Only need to neutralize the vehicle type, pay part of the car insurance and various additional costs, you can pick up the car and leave. This also greatly facilitates prospective car owners, and can be regarded as a solution to car owners' worries.