There is still a big difference between buying a car in full and buying a car with a loan. Both have their own advantages and disadvantages, and buyers can make reasonable choices through their own economic conditions. The advantage of buying a car in full is that you can pick up the car at one time and pay off all the fare at one time, without any worries. It is convenient to sell the car and worry-free to buy a car, but the disadvantage is that the buyer needs to pay a large sum of money at one time, which is a burden for friends who have just started or have little savings. At this time, the emergence of loans to buy a car has provided great convenience for these buyers with insufficient funds. The advantage of buying a car with a loan is that you can pay a small amount of cash first and drive the car home, avoiding the pressure of one-time payment, but the disadvantages are not small. Buying a car with a loan is equivalent to spending in advance, and the owner needs to repay it on time later, and will also pay the handling fee and interest other than the car price. Any loan is risky. If the owner is sure that he can repay the loan on time, then you can borrow money to buy a car. If you don't have a fixed income and a stable job, please think about it more, and don't bring yourself unnecessary trouble because of the late repayment problem.

Another point is that the car does not belong to the buyer during the loan period. The buyer needs to cancel the mortgage after paying off all the bank loans, that is, show the proof that he has paid off all the loans, and then the car belongs to the buyer himself. In addition to vehicles, there is also the issue of insurance. It is well known that all car buyers need insurance. Car owners who buy a car in full can voluntarily choose auto insurance, such as compulsory insurance, purchase tax, vehicle and vessel tax, etc. People who borrow money to buy a car need to buy all the insurance for their cars. This is the unified regulation of the bank, which is negotiable.

If I have enough money, I still suggest buying a car in full, because it can save a lot of trouble. Although it seems that there is little pressure to buy a car with a loan, there is still a lot of interest to pay back every month. After a long time, the number of repayments will add up to much more than buying a car in full at one time, so it is more cost-effective to buy a car in full.