With the car installment business, many consumers will choose this way when buying a car.
To buy insurance, you only need to prepare the down payment and pay the purchase tax, and the rest can be paid back slowly.
Buying a car by stages allows consumers to enjoy the life of owning a car in advance.
If you can't buy a car by stages, it will take a long time to save money to buy a car.
However, before buying a car by stages, we must first understand the following things.
1. First of all, are you suitable for buying a car by stages? Buying a car by stages is not suitable for everyone. If the job changes greatly and the future income is not guaranteed, it is not suitable for buying a car by stages. There are roughly two kinds of people who are suitable for buying a car by stages. Some people have a guaranteed future income, but they don't have so much savings now, and some people need liquidity to turn around their business. These two types of people are more suitable for buying cars by stages.
Now that you have decided to buy a car by stages, you must make sure the cost of buying a car by stages. First of all, you have to pay a down payment to buy a car by stages, and you have to prepare the purchase tax and insurance money. Many 4s stores will charge gps fees, handling fees, deposits and so on. Customers who buy cars by installment. These expenses should also be prepared. As you must know, buying a car by installment has interest, and this interest is allocated to the monthly payment. Therefore, the final cost of buying a car in installments is definitely more than buying a car in full.
3. after figuring out what fees to charge for buying a car by stages, the next step is to choose a financial plan that suits you. Shops will have different financial plans. The main differences between different financial management schemes are down payment ratio, monthly payment duration, interest, etc. You must choose the financial plan that suits you according to your existing funds and your monthly income.
Related Q&A: Related Q&A: How about car staging? Hello, everyone, I'm a real person.
With more and more people handling car loans, the system of car loans is becoming more and more perfect. Unlike 14 and 15, most people didn't know some hidden rules because there were fewer people who borrowed money at that time. Many "black-hearted" businesses use this information gap to cheat customers of their money.
As the saying goes, "once bitten, twice shy."
People who have been cheated before told their relatives and friends about their situation, and things spread. As a result, most people still stay away from car loans.
So today I will tell you about the current car staging.
First of all, analyze the current market environment of automobile staging.
14 is the easiest time to make money in our car loan industry. At that time, it was not a problem for people who made car loans to earn six or seven hundred thousand a year. Like a car with 65438+ 10,000 yuan, it may have a profit of seven or eight thousand. Some unscrupulous peers can also make tens of thousands of profits.
This situation is mainly because customers and car dealers at that time did not understand the car loan industry. The difference between this kind of information is that customers generally believe what we say. Because she doesn't know this industry, and car dealers don't know this industry, they don't know where to make money. As a result, most of the profits were eaten by borrowers.
But not now. Since the Mercedes-Benz Star of Hope incident in Shaanxi a few years ago, the financial industry has been vigorously rectified. At that time, many car guarantee companies were investigated and some key personnel were detained. In the past, we couldn't earn too much profit and interest, but now it's ok to earn a thousand dollars for a 65438+ million car. So don't worry too much about being cheated. You can find several stores to compare, and the price/performance ratio will come out.
Choose the right lending institution.
When applying for loan installment, you must choose a good lending institution. If your lending institution is informal, even if the interest is low and the fees are low, it is useless. Because if you go bankrupt, your real estate license and loan will not be sold.
For lending institutions, I suggest you choose banks, preferably the four major banks. Because there is no such thing as bankruptcy. In addition, the bank is supervised by the China Banking Regulatory Commission. Even if there are some problems, you can solve this matter through the CBRC.
Secondly, you can also choose some factory finance that comes with four S stores. Now the fourth S shop will not only sell cars, but also help customers buy insurance, car maintenance and loan finance. If you buy matching things in the same four-S shop, it will be more convenient after sale. Moreover, the interest rate of factory finance is generally lower than that of banks, and even some brands of factory finance do not need to mortgage real estate licenses.
When buying a car with a loan, you need to pay attention to the loan fee.
The loan fee I'm talking about here is actually collected by four S stores. Like banks, they only charge interest. Moreover, the interest is spread evenly to the monthly payment or paid to the bank in one lump sum by the automobile manufacturer. Banks don't charge customers any fees. The bank will charge the mortgage fee unless the customer needs to pay the mortgage.
Such as handling fees, service fees, gps fees, authorization fees and so on. They are all fees charged by four S stores for profit, and have little to do with banks.
Especially the handling fee, when the four S stores name this handling fee, it is usually a bank loan handling fee or a bank service fee. They are all charged to customers in the name of banks. Because now in people's minds, the bank is a more reliable institution, which will make customers willing to pay the fees.
Therefore, when you buy a car, if you hear the car seller say that these fees are charged by the bank, you are generally lying to you. The fourth S shop wants to make your money.
To sum it up.
The current car loan market is more perfect than before, and many hidden rules are slowly being rectified. Generally speaking, the market will be more formal. Of course, first of all, don't go to some remote stores, because for those stores, you can make a sum of money, and he will definitely try his best to cheat you.
Also, when making a loan, you must choose the right lending institution, otherwise, you will have more trouble when you get this loan.
When I calculate the loan fee for you again, everyone should pay attention. The bank won't charge you any fees. If the fourth S store is in the name of a bank, everyone should pay attention.
Ok, if you have any questions about car loan, you can pay attention to me.
June 1 day, real people focus on cars. Then you know more about cars.