1, car loan fee
There is a handling fee for buying a car in a 4S shop, and the handling fee is still very high. The money goes into the pockets of 4S stores one by one, but if you buy a car in full, you won't have the money. Therefore, 4S stores prefer car owners to borrow money to buy cars! And once the owner borrows money to buy a car, the sales staff will get a much higher commission than the full car, which is why many sales staff will advise customers to borrow money to buy a car!
2, the loan to buy a car is all risks.
In addition to the handling fee for the loan to buy a car, the 4S shop will also require customers to take full insurance. They can't buy a car if they don't buy full insurance. This is actually a cooperation model between 4S stores and insurance companies. As long as the 4S shop wins a total insurance business for the insurance company, the 4S shop will also get a certain commission!
3. Loan to buy a car for in-store maintenance
Although it is not mandatory to maintain the car in the 4S shop, in most cases, in order to avoid unnecessary troubles, car owners will choose to maintain it in the 4S shop after buying a car with a loan, which is actually a routine of the 4S shop. Knock hard before returning the car loan, and most car owners who buy a car with the loan can't escape the fate of being pitted.
In addition to the above three items, in fact, there are many places in 4S stores that can deceive users. In short, buying a car is not enough to sell. Although the loan to buy a car relieves the pressure on the owner, it is not cost-effective.
How to buy a car:
Buying a car with a loan has the advantages of buying a car with a loan, and buying a car with a full amount has the advantages of buying a car with a full amount. If you have enough money on hand, then buying a car in full can save you a lot of trouble, and you don't have to worry about the subsequent "consumption trap"; If you don't have enough money, it is feasible to borrow money to buy a car if you want to leave some room for your future money, but you must study all kinds of agreements and contracts clearly and don't spend more money in a muddle.
If you don't have enough money, but you really want to buy a car, you can get a loan from the bank and go to the 4S shop to buy a car in full. This way, you don't have to pay expensive handling fees, and you can save a lot of trouble. You just need to pay back the bank in the future. This is the best way to buy a car with a loan!