Yes, it's just that the loan has interest.
Second, can I enjoy the discount of buying a car with a loan?
Hello, I'm a car salesman. Every car has excellent samples, but there is no difference between a loan and a full car purchase discount. I am a salesman.
Third, why is the full amount more expensive than buying a car with a loan?
The competition for selling cars is getting bigger and bigger, and the price of cars is more transparent. Now, it is impossible to make money by selling cars. Even some models are sold at a loss, just to make a sale. If consumers buy cars in full, the profit of dealers will be lower.
Therefore, some dealers ask salesmen to let consumers borrow money to buy a car as much as possible, but for sellers, the loan and the full amount are paid in full, and there is usually a loan fee, so that sellers can earn some fees from it. Secondly, buying a car with a loan requires full insurance, and 4S stores can get some profits from insurance companies.
Now many auto brands have their own auto financing companies, such as Chery, BAIC and SAIC. Because auto financing companies have different evaluations of dealers when choosing to buy cars in full or with loans, some dealers will encourage consumers to choose loans to buy cars. This is why buying a car with a general loan is more favorable than buying a car with a full amount.
Fourth, buy a car, why is the loan cheaper than the full amount?
It's cheap to buy a naked car with a loan, but you need to pay a certain fee, such as handling fee, loan interest or in-store insurance. These expenses need to be borne by consumers themselves, and the sum of all expenses may exceed the cost of buying a car in full.
The defect of buying a car by loan: 1, and the cost of buying a car increases;
Loan to buy a car needs to bear interest, handling fees and other expenses. When you borrow money to buy a car, you need to mortgage the green copy of the car to the bank, and you will also charge some fees. There may be other expenses in the process of buying a car.
2. Procedural issues:
It is more troublesome to get a loan to buy a car. For consumers, there is still a certain handling fee after going through the formalities, which is also the reason why many consumers are reluctant to borrow money to buy a car.
3, the car problem:
Many 4s shops can pick up the car quickly if they buy it in full, but it is not necessarily the time to pick up the car with a loan, because it takes time to go through the formalities and review the loan. Consumers are not advised to borrow money to buy a car if they are in a hurry.
4. Insurance:
Buying a car in full at a 4s shop will not force consumers to buy insurance, but consumers who borrow money to buy a car will generally be asked by a 4s shop to buy insurance in the store. Some places are also a loss to consumers, which is why many people give up loans to buy cars.