1. First, buy cars by stages, and the "tricky" behind the three-year zero interest rate. Nowadays, many 4S stores are holding activities such as "three-year zero interest rate", "two-year interest-free rate" and "zero down payment", the purpose is very simple, because the car prices of manufacturers are becoming more and more transparent, and 4S stores are facing competition from third-party car dealers and various brands in the same industry. It has become a common strategy for 4S stores to charge corresponding additional service fees. This is also the case for many customers who like to borrow money to buy a car. Sometimes they want to pay the full amount, and they will repeatedly explain the advantages of borrowing money to buy a car. It is also a naked car, and the price of buying a naked car in full will be more expensive than that of a loan car. All this is because there are various surcharges for loan cars, such as: (1) auto finance service fees. In many places, loans to buy a car will directly charge 2% to 6% of the loan amount. For example, for a loan of 1, yuan, the financial service fee may be around 2,-6, yuan (in fact, 1, yuan is almost the same).
(2) licensing fees, new cars are licensed, and many 4S stores directly charge 5-2, (2 is almost the same).
(3)GPS equipment and installation fees, in the first two years, many people will charge about 198-4 yuan, but in the last two years, according to the loan situation, some will be collected and some will not be collected. (This fee can be cut off)
(4) The first-year insurance of the loan car is basically purchased by the 4S shop, and it is much more than buying it yourself. (If it's really expensive, you should surrender the car after picking it up and buy it again)
(5) Bundled sales. Some 4S shops may ask for a certain fee for adding decoration when they see that the whole car doesn't have much profit (strongly disagree)
(6) Other fees, and some individuals may also charge a delivery fee, PDI inspection fee, mortgage cancellation fee, etc. (strongly disagree).
2. Second, the "quality" of the new car is fishy
(1) When selling the recalled car, there may be a problem car, and the 4S shop fails to cooperate with the manufacturer to recall it in time and continues to sell it;
(2) Generally speaking, it is best to sell the cars in stock within 3 months. If it exceeds 6 months, it is a car in stock. If it exceeds 12 months, it is a serious car in stock. If the stock car stays in the open air for a long time, the paint, tires and parts of the car body will be affected to some extent. When checking the car, you can check the production time by the frame number or by the production nameplate on the side of the driver's door.
(3) Conceal the defects detected by PDI and sell it as a normal car. In this case, it is necessary to ask the 4S shop to provide PDI inspection sheet when inspecting the car.
3. Third, the overall price of new cars is higher. New cars need to bear the purchase tax, and the insurance industry is more expensive. Take 1, new cars as an example, the purchase tax is about 9,, and the insurance cost was slightly higher in previous years.
4. Fourth, the new car's insurance rate is relatively low. Just saying that the insurance rate is really too fast, the new car landed nearly 4,, and it will be around 25 a year later. Of course, the insurance rate depends on the circumstances. For your daily vehicle, you can ignore the problem of price reduction.
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Advantages of a new car
1. The quality of buying a car after sale is guaranteed. This is a very important part. For a new car, there is basically no need to worry about this problem. The new car manufacturer provides three years or 1, kilometers of "three packages" after sale, and there is no need to worry at all. As for things like "Xi 'an Mercedes-Benz women's rights protection" and "Tesla brake failure" on the Internet, after all,
2. The new car feels good psychologically. Needless to say, it is very comfortable in terms of interior, car condition and appearance. Before making a car loan, all expenses must be clearly stated. Before paying the deposit, all possible expenses must be listed, and each item must be clearly stated. Otherwise, it may be "pitted". When you pay the deposit and the loan is approved, many things are hard to talk about. Every time you complete the one-step process, there are fewer and fewer negotiable prices. If you can pay the full amount, it must be the full amount. Even if there is interest-free, don't mortgage it. It will be all in place at one time, so as to save some trouble.