Buying a car, mortgage or loan are all good choices, which depends on your personal situation and your financial ability.
1, the full amount can enjoy preferential treatment, and the general loan does not enjoy preferential price. If you buy a car with a zero-interest loan, it is equivalent to a discount in disguise. It is ideal if you can get a zero-interest loan on the basis of preferential price.
2, full discount, once again the original price of zero interest rate loans, the most undesirable is the original price of non-zero interest rate loans, unless you really need a car and have no money, otherwise do not choose.
Buying a car by loan is a reasonable way to manage money. Compared with real estate, cars have no value-added potential. If consumers have enough money to buy a car in full, it is better to save money and reinvest it through loans.
Buying a car with a loan can realize the dream of buying a car in advance. Buying a car with a loan can alleviate the pressure of buying a car to a certain extent, and can also control the expenditure well and enjoy the life of owning a car in advance.
Extended data:
Matters needing attention
1. The car buyer must have a relatively stable job, a relatively stable economic income or assets that can be easily realized in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
2. Willing to accept other necessary conditions proposed by the bank. The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.
What discount can I enjoy if I buy a car in full?
Buying a car in full is generally a discount, ranging from 20 thousand to 50 thousand, which is still very cost-effective
Generally speaking, you always think that the loan to buy a car is very favorable, but it is not. If you buy a car with a loan, you must buy insurance in the store. If you borrow it for two years, you must buy insurance for two years in the 4S shop. Generally speaking, the insurance concessions of 4S stores are not strong, which means that insurance is expensive.
Second, you need to get a license in the store. License fees are mostly around 1 0,000. Although you don't need to run around for information, the reasonable license fee should be around 200 yuan, so you earned these hundreds of dollars. Third, some car dealers also require the installation of reversing images, leather seats and so on. The price, you know, so you earned the money, too. Fourth, the loan itself has interest and handling fees.
As many people know, 4S shops can't make much money by selling a car, which may be in the range of hundreds to thousands. But this profit is far from enough to support the team, not to mention the boss has to make money. So they always try their best to make you make money on the follow-up service. For example, after buying a car with a loan, you must buy auto insurance in a 4s shop, and it is all insurance.
In addition, during the loan period, the renewal of the car can only be carried out in 4S, otherwise your renewal deposit will not be refunded. This renewal deposit is mostly two or three thousand yuan.
Why is it more favorable to buy a car with a loan than with a full car?
Because the seller can charge the loan fee for the loan purchase. For the seller, the loan and the full amount are paid in full, and there are loan fees, so it is more favorable to buy a car with a loan than with a full amount. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
Although cars are very affordable now, there is still some pressure for some ordinary working families to buy a car. Therefore, some people will choose a loan when buying a car, so the pressure will be much less. In fact, we went to the 4S shop to buy a car, and the staff of the 4S shop would also recommend us to buy a car with a loan, saying that the loan was more favorable. So, why is it better to buy a car with a loan than with the full amount? What's the problem?
Buying a car by loan can get more commission than buying a car. Although the number of people who borrow money to buy a car is more favorable than 10 million, in the end, if you calculate the profit of the car, the loan may make a lot of money. If the total amount of money for buying a car is more than the whole car, and the commission for cars and bicycles may be in 200 yuan or 300 yuan, then the commission can be increased to 800~ 1000 yuan if you buy a car with a loan.
In order to promote the loan to buy a car, they usually lower the loan price of the car, and the price of a full-size car is usually higher than the loan price. Then the question comes, who will choose a full-size car for such a good thing? There is no point in breaking things down. If you buy a car with a loan, you should know that when you buy a car with a loan, you have more money than all the money above, and you have more money to buy auto insurance. The 4s shop will borrow money from you within this period, and the insurance must be bought in the 4s shop to get the insurance rebate. Re-lending to buy a car, many of them have interest. In fact, when 4 S cooperates with a third-party guarantee company, the third-party guarantee company will return some profits to the 4s store, and so will 4S, which is why the 4S store is willing to provide several thousand yuan discount for this type of car, so that you can borrow money to buy a car.
The problem is that the cheap loan for buying a car is the price of a naked car. If you want to choose a loan, then your good brother, your insurance, loans and other fine decoration will appear, which are mandatory or will tempt you to go their way, and 4s stores will profit from it. What we are familiar with is the recent case of a Mercedes-Benz female car owner, which has attracted the attention of hundreds of millions of people on the Internet. This case exposed this hidden rule of the automobile industry to the public. Even if you choose to buy the whole vehicle, the owner will face a problem, that is, in the first year when the merchant buys insurance, if you choose not to buy it, then the merchant will charge you 1,000 to several thousand unexplained service fees, and the owner does not want to spend this money, so you must buy insurance in this store.
What are the advantages of buying a car with a loan?
Nowadays, with the improvement of people's living standards, it has become more and more common to buy a car by loan. Have the ability to buy a good car, but have no ability to buy an ordinary car to drive. Some people choose to borrow money to buy a car when they can pay the full amount. Why? What are the advantages of buying a car with a loan? Sort out a few benefits for everyone to see.
First, let Qian Shengqian.
Now that the currency is depreciating and prices are rising rapidly, the money in the bank is becoming less and less valuable. Friends who have experienced in business and investment know that as long as they have funds, it is easy to obtain high expected annualized expected returns with interest and capital. If you choose a loan to buy a car, although the bank will charge a certain interest, you can also use Yu 'ebao and bank wealth management to fight against it. If you meet some interest-free models, you will get stable profits, so you can be Qian Shengqian.
Second, reasonable financial management.
Nowadays, many people who borrow money to buy a car are really short of money, hoping to get on the bus as soon as possible with the help of loans. In addition, a large number of them can buy a car in full, but they want to save money for financial management or business. The current price increase, if we don't do some investment and wealth management projects, can't keep up with the pace of price increase. Reasonable financial management can make your expected annualized expected income more.
Third, it is most convenient to buy a car with a loan.
Many people will first think of borrowing from relatives and friends when they are in financial difficulties, but in this way, they will think of returning it as soon as possible so as not to hurt their feelings. The interest rate of private lending is high. If you choose to buy a car by loan, you can sometimes enjoy preferential policies such as interest-free and down payment.
Fourth, accumulate credit wealth.
Some people think that no loan, no overdue is the best credit record. Actually, it is not. There is a loan record in the bank, and the loan record is good, which is the best credit record. For those who don't have any credit history, banks will trust you more if they understand the credit foundation and repay on time.
Is there a discount for buying a car with a loan? Is it cheap to buy a car with a loan? This concludes our introduction. I wonder if you found the information you need from it?