Expenses other than car price, purchase tax and insurance.
I often see a sentence in the headlines: installment payment is "cheap", and this price cannot be paid in full by installment. I don't know why people don't even understand that the simplest wool is on sheep. The basis of being cheaper than installment is that you pay a lot more than the full amount, and the last cheap part plus the car price is still more expensive than the full amount. First of all, we want to tell you that no matter whether you pay in installments or in full, for 4 S, the cost is similar, and the fee that 4S has to pay is only the commission of the loan officer ranging from tens to 100. The notarization fee, mortgage fee, GPS fee, installment management fee and authorization fee charged by 4S are all pure profits. It's up to you to decide how much to divide this money, not 4S, because you instilled an idea in yourself that the car on installment is "cheap" So you will ask to sell you a car price below the full amount, and the extra car price will be recovered from the installment fee. So if the price you ask is similar to the full amount, the installment fee will be less. The installment fees they charge are negotiable, and the maximum amount is not more than 3000 according to the loan amount. This is what you can pay for a reasonable profit.
When it comes to buying a car with a loan, it should be noted that:
First of all, I need to know my personal credit problems and whether I am eligible for a loan. For example, these loans are difficult, there are three people, too many inquiries about credit records, overdue and high debts. These people can't get a normal loan for two years!
Secondly, it is necessary to know whether a 4s shop or store is a regular bank and what kind of loan it is. It is recommended to take a bank loan, and the interest is relatively acceptable. And whether the loan interest is within the acceptable range, what is the repayment amount in each installment, and when is the repayment date? Don't forget the repayment date, if it is overdue, you will be in trouble! At the same time, you should read the loan contract clearly to avoid being cheated, sign your name and keep the loan contract well!