The first step is to choose the vehicle configuration, and then talk about the bare car price of 65,438+0. Ordinary vehicles of the same model have low, medium and high configurations (each brand has different names for medium, low and high configurations). For example, the price difference between low and high is about 1-30000, mainly because the functional configuration is different, and the starter and other hardware are the same.
In this case, we need to choose the configuration type according to our personal car environment and personal needs, and many functions are optional, such as start-stop technology, remote start-up, HUD head-up display, car navigation, automatic headlight cleaning and so on.
For example, these functions are all applicable: 360 panoramic reversing image, automatic parking, car networking (mobile app manages vehicles, opens and closes doors, locates vehicles, etc. ), driving recorder, uphill assist, rearview mirror heating, automatic anti-glare rearview mirror, rearview mirror automatic folding, window anti-pinch and other functions, try to choose as much as possible when the economy permits.
2. After determining the corresponding configuration, the next step is to say the price of the bare car. Talking about the price of naked cars is elegant. It's best to know the lowest price for other car owners of the same model to sell bare cars online in advance. Compared with this price, there is definitely no loss.
The second step is to choose installment or full payment. Next, the demand chooses the payment method. The sales staff of ordinary 4S stores will guide customers to choose loans to buy cars. There is a simple reason. They get a high commission on the loan to buy a car, but we need to pay attention here. We can ask the sales staff about the detailed activities of buying a car by stages, and then say hello to the full amount. Both of them understand that if we can buy a car in full, we will listen to the sales hype and insist on the full payment. The reasons will be explained in detail later.
Assuming segmentation is selected, the details are as follows:
Suppose I don't have enough money, I have to choose a loan. At this time, I will ask the sales staff to list all the charging items by stages according to the demand. I can never listen to the sales oral statement and list it in black and white. I want to take a picture. Generally speaking, buying a car by stages is divided into three situations:
First, car manufacturers provide car loans with zero interest for three or two years, which is really zero interest. In this case, the interest is 0. Staging is a very good plan, but it depends on the policy of going to 4S stores;
The second is the bank auto financing loan, which bears interest and is generally not cost-effective, so it can be ignored first;
The third way is to buy a car with a credit card, that is to say, if I have a bank credit card, I can consult the car installment activities of the corresponding bank in 4S shop. Simply put, it is a pure credit car loan. Banks issue loans directly to customers according to their personal reputation. After buying a car, the owner can repay it in monthly installments. This method does not require mortgage, and it is very cost-effective if it is interest-free.
No matter what kind of plan, the next step is to ask 4S stores to make a detailed list of charges. Generally speaking, most 4S stores will charge the following fees:
The first item, the financial service fee (handling fee), generally ranges from 3% to 8% of the loan amount, depending on how much the 4S shop charges; However, no matter how much they charge, this item can be discussed. Give it to 4S shop 1000, not more. Just follow this specification.
Some of them don't charge service fees. In another way, they are called material storage service fees, ranging from 500 to 5,000 yuan per month, or one-off. No matter how much they ask, the maximum is 500, so that we can talk about not charging this fee.
Second, the new car licensing service fee, which varies from 4S stores, ranging from 500 to 2,000, is only 300, which is not much.
The third item, buying auto insurance on behalf of the company, buying cars by stages, and buying insurance on behalf of the 4S, is usually the first year, but if the 4S store requires a deposit or guarantees to buy for three years in a row, don't agree. I will buy all the auto insurance except the first year.
There can be no other expenses except the above fees. If you can't talk about it well, then change to a 4S shop.
Step 3: Submit the materials needed for the car loan and wait for the approval of the car loan. If you agree, the next step is to submit the materials needed for car loan, such as general driver's license and identity Z, and other materials are provided by 4S shop. After all the materials are ready, the 4S shop will submit them to the finance company for approval. General demand will wait 2-5 working days, depending on the approval speed of financial companies.
What needs to be noted here is that the loan needs good personal credit, that is, it cannot be overdue, and it is best not to be a white household. The materials filled in when approving the car loan are also very elegant. Don't fill in casually, such as education. If it is below junior college, fill in junior college and above.
The work unit tries to disagree with the unit I keep in the credit investigation. The higher the similarity, the better. These 4S shop sales will say that if there is a phone call from the loan finance company during the period, you must remember to answer it. After you get the approval, you can go through the formalities of picking up the car.
The fourth step is to go through the corresponding procedures for picking up a new car. Here, I will make clear the details of various expenses when buying a car. Two-year interest, naked car 289,000, down payment10.5 million, car loan10.4 million.
The first item. Financial service fee (handling fee): 1500.
Item 2: Service fee for new car registration: 300 yuan.
Item 3. Car insurance in the first year (all risks, three risks 1 10,000): 9900.
Item 4. Purchase tax (vehicle fare/1. 13): 25575.
Item 5: Compulsory insurance+travel tax (950+480, see vehicle displacement and number of seats for details): 1430.
The total installment fee is: 327,705 yuan, which is the installment price.
Assuming that the full model is selected, the full model naked car price is different from the staged naked car price. 4S stores will not give the full price of naked cars, which may cost thousands of dollars, and the gift packages given are different from those in installments. The goods are under negotiation. If you don't talk to the 4S shop about the price of bare cars and the cost of installment, it will definitely be more expensive than the full amount in general. If you negotiate, it is generally more cost-effective to choose staging.
Why do you say that staging is more cost-effective than full payment? Take me for example. At that time, the total cost of staging was 327705 yuan. The gift package sent by the 4S store includes: full car film, floor mat, trunk mat and driving recorder. Although these things are cheap, they are converted into 1 000 yuan after accounting, and the total cost of practicing by stages is 327605 yuan.
The price of choosing a full-price naked car is 296,5438+0,000 yuan, which is 2,000 yuan more expensive than installment payment. Because the fees for licensing, insurance, compulsory insurance+travel tax and purchase tax are the same as those for loans. Finally, the total cost was 328,205 yuan, which was expensive for 600 yuan.
This is calculated from the practical cost. On the other hand, we can see that the loan is far more cost-effective than the full amount. Above, I borrowed RMB 65,438+040,000 from the automobile manufacturer, and paid it off in 24 months, with a monthly payment of RMB 5,830. That means I spent two years140,000. Because it is paid back on a monthly basis, the actual funds used are not140,000 yuan. Since it is assumed that the loan from the bank is 654.38+10,000 yuan, the time is 2 years, and the interest is basically around 654.38+10,000 yuan, so it is clear that there are many benefits in stages.
Disadvantages of staging: 1. The advantage of staging mentioned above is that we have to talk about the car price and various expenses of staging with 4S shops, but often many friends don't know how to talk about it, so there are still many skills to get a cost-effective staging.
2. At the same time, we should also see that the whole process of staging is much more laborious than the full payment, and there are many conditions. It depends on personal credit information. The most important thing is to remember to pay back the car loan on time every month after the installment. If I forget to return it, it may lead to overdue and affect my credit record, which is very uneconomical.
3. If the manufacturer's finance takes the vehicle mortgage loan, then before the vehicle loan is paid off, the owner is still the finance company, and our owner only has the right to use it. To put it bluntly, the car doesn't really belong to us. When the vehicle loan is paid off, apply for cancellation of mortgage, and write "cancellation of mortgage" on the vehicle cancellation certificate. At this moment, it is our own car.
Experience summary: 1, pay the full amount if you can. After all, the whole money is worry-free and convenient, and it won't be as complicated as staging. If you are not careful, you will step on the pit behind the staging. Just like me, after paying off the car loan, I have to find a financial intermediary to handle it. As a result, I not only wasted time, but also spent 500 yuan more.
2. If you choose staging, you must first list all the expenses that you may encounter in the middle and make it clear. If you don't make it clear in advance, it will be difficult to negotiate with 4S stores after the car loan is approved.
3. If you just buy a scooter, you can choose a low one. There's no need to waste money on the best match. If you want to enjoy the remaining funds, it goes without saying that you can just go to the top.
Individuals within 465,438+0.3 million do not advocate choosing a joint venture car. After all, this price can only choose the "worst" model in the joint venture car. This is not to say that the quality of the car is not good, but that its functional configuration is really few, and it is possible to choose domestically produced models with rich configurations at the same price.
Remember the car in front when you pick up the car. First, look at the PDI checklist of the new car. This is the document that the new car passed the strict inspection in the factory. Generally speaking, there will be no major quality problems in the tested cars. Secondly, look at the date of vehicle consumption to avoid long-term encounter with "inventory vehicles"; Finally, look at the body to avoid "damaging the car", look at the interior, function, test drive and so on.
6. Finally, remember to take all kinds of vehicle information and certificates, such as vehicle cancellation certificate, tax invoice, certificate of conformity, vehicle divergence certificate, two car keys, etc.
How much do you charge for the installment fee, licensing fee and auto insurance fee mentioned above? Say goodbye to the discussion.