Secondly, life is changeable. If you have extra cash on hand, you can do more things with confidence, and even better cope with emergencies and accidents. No one can guarantee that your thoughts will remain unchanged. What if you want to do something but you are short of tens of thousands of dollars? No one can guarantee that there will be no accident. What if you or your family need money badly? First of all, regardless of the mortgage or car loan, the longer the loan period, the more cost-effective, because the depreciation rate of RMB is beyond your imagination, and you feel that the repayment pressure of tens of thousands of loans is great, but you never think whether the purchasing power of these tens of thousands of loans can still meet the existing purchasing power three years later. Only those who have experienced this have a deep understanding.
The monthly payment is 3,000 yuan, the monthly fuel fee is 300 yuan, and the insurance is 3,000 yuan a year. Listen to all kinds of complaints on the internet before buying. After buying it, you will find that it is basically only gas bill every month, and there is no other expenditure at all. Your full loan is just another way to give money, and there is nothing to regret about the loan, not to mention that it is now zero interest, neither white nor loan. As far as I know, car maintenance is in 300 yuan every month, with one-year insurance. The monthly payment is not counted, and the car wash coupons sent by insurance are inexhaustible. My cousin borrowed money to buy a car. I have been encouraged to buy a car since I got my driver's license. In fact, I think buying a car still depends on personal needs. If you need to use the car often, buy it. If you do business, use the car more, or pull things. You buy a car.