Personally, I think many people borrow money to buy a car, and most of them regret it in the end. As a person who has experienced it personally, let me help you analyze the reasons. Please correct what you said: it was caused by impulse. In fact, people like me don't need it, but I want to own one when I see that my relatives and friends have bought it. So I gritted my teeth and bought one. If I don't have enough money, I will stick the loan on my face. But after buying a car, I found that there were not many opportunities to drive. Many times, you have to pay for the car to lie there and sleep. If you buy it with a loan, the salary is not high, you dare not drive, and you will definitely regret buying a car in the end. What needs to be clear is that the car you buy is a consumer product, not a value-added product. At the moment I opened my fourth son's shop, I immediately lost tens of thousands.

To put it bluntly, cars depreciated too fast, and some cars broke down by half in the first half of the year, and they couldn't sell any price last year. If you bought it with a loan, you will regret it when you want to sell the car for some reason, especially when the loan has not been paid back, not to mention how psychologically uncomfortable it is. Convenient transportation makes you regret taking out a loan to buy a car. It doesn't matter if you live in a small place, there are fewer buses, it's inconvenient to travel, and the car is much better. But living in a big city, subways and buses are basically covered, and you can reach every corner of the city. Sometimes it is inconvenient to drive to work, especially the cost of owning a car is higher, such as gas and car washing. Parking will only make you feel broken in an instant. Don't pay, afraid of posting, pay, and the cost is high. If you think about it carefully, you will definitely regret buying a car, especially those car owners who can't drive a few times a month. The cost of living is high, and the cost of mortgage, car loan and children's education is too high. Generally speaking, wage earners who borrow money to buy a car have low wages and have no money to buy a car in full, so they have to borrow money to buy a car.

In their view, the big boss who borrows money to buy a luxury car is an investment. The luxury car they bought is very useful to their business. The car bought with a loan can bring them value, so these people will not regret buying a car with a loan. But the working class is different. We are totally consuming. Buying a car will only bring us convenience, but it will not bring us benefits. However, once something happens to the outside world, which makes them financially nervous, then they will definitely regret taking out a loan to buy a car. The installation fee of GPS is easy to understand. In other words, if you borrow money to buy a car, the loan company needs to install a GPS locator in your car. If you don't repay the loan and drive, the loan company can find your car through GPS positioning. At that time, the GPS installation cost was 2000 yuan. Next is the loan fee. In fact, the loan fee is a wrong sum of money. You can also directly treat the loan fee as interest. At that time, the loan fee was 1000 yuan. Next is the continuation. To buy a car with a loan, you have to go in addition to paying strong insurance. There is no discount for buying commercial insurance in the designated place of 4S shop. Most people choose commercial insurance in the first year of the loan, and only choose compulsory insurance from the second year, but the renewal of the deposit is to prevent you.

At that time, I paid a renewal deposit of 1 0,000 yuan. The 4S store told me that if you choose commercial insurance from other companies in the next year, the renewal deposit will not be refunded. I also calculated an account at that time. If I continue to choose the company designated by the 4S store to pay commercial insurance, my loss will exceed 65,438+0,000 yuan, so I gave up the renewal money directly. The above is the first cost of buying a car with a loan, which adds up to 4000 yuan, and the rest is the interest cost of the loan. I borrowed 70% of the price, and I may calculate that the interest cost is 6.5438+0.5 million yuan, plus the upfront cost of 4,000 yuan, which is 6.5438+0.9 million yuan. I think even if it's over, it will be an extra fee when I pay off the car loan. So I still regret getting a loan to buy a car. If conditions permit, try to buy a car in full. If you have to borrow money to buy a car, you must go with 4 S. First, talk about the price in the store. Some fees can be waived. For example, the fee for renewal can be waived. That was the first time I didn't understand loans. I spent a lot of money unjustly. Therefore, if you want to borrow money to buy a car, you must be careful.