Buying a car with a loan also has certain benefits: for friends who are not well off, buying a car in advance is a boon; You don't have to pay the full amount in one lump sum to buy a car with a loan, so it's not bad to leave some activity funds for yourself. However, the shortcomings are also obvious: the procedures for loan to buy a car are more complicated, and some proof lists need to be provided; It takes a long time to apply, and the bank must review you before you can borrow money; You need to pay the handling fee and pay more interest.
Buying a car with a loan requires buying the insurance of 4S stores, and it is all-insurance, and 4s stores will benefit from it. 4s stores charge a handling fee, which looks like thousands of dollars. Profiting from it is the main reason why 4s stores suggest that everyone borrow money to buy a car. Car prices are becoming more and more transparent, and 4s stores will make profits through other channels.
The insurance premium for buying a car in full will be much lower. For example, glass insurance and scratch insurance are not compulsory, only when you want to buy them. However, many enterprises will ask them for loans to buy. In addition, VPS is a device that locates and contains anti-theft and rescue functions. This bank requires installation. Although the loan is zero interest, you have to pay the service fee in advance when you buy a car. In fact, in my opinion, the interest is collected in one lump sum, just to put it another way, so that everyone can accept it better.
Therefore, after the loan for buying a car is finally calculated, the cost after the discount will be similar to that of buying a car in full, and some will even be higher than that of buying a car in full, depending on the preferential strength of the manufacturer. You must ask the price of the full sale and the actual delivery of the loan before you can make a comparison, so as not to make the deposit a trouble.