With the development of the times, our requirements for the quality of life are getting higher and higher. Cars are slowly becoming a necessity for everyone's daily life. Car buying is slowly being included in most people's plans. In today's daily life, friends who often go to look at cars will undoubtedly have this experience, that is, whether the car salesman tells you about car purchase discounts or the benefits of buying a car with a loan. . So why are we persuading everyone to take out a loan to buy a car? Is it because they don’t want to get the money at once? Let the experienced driver tell you the tricks involved!

First of all, looking at the loan itself, in order to encourage 4S stores to attract more customers to borrow money, the banking industry will give 4S stores a certain percentage of shopping rebates based on the loan amount, which is also a profit point for 4S stores. Compared with 4S stores, they all have to wait for a loan from a financial institution to be transferred to the company's account before they can release the car. In fact, they are also receiving full payment, which is no different from the customer paying full payment immediately, but it can be much more Rebate profit. The second most important thing is the surcharge. Remember, this surcharge is not for the manufacturer or financial institution, but for each 4S store itself. The surcharge credit limit is also determined by each 4S store. Most of our local credit limits are 4%. Taking a car worth RMB 100,000 as an example, if you make a down payment of more than RMB 50,000 and borrow more than RMB 50,000, in other words, you will have to pay a surcharge of RMB 2,000 to the 4S store.

Then there’s the conundrum of car insurance. Generally, if the driver chooses to repay in installments, then there will be a corresponding binding business process - car insurance. Car insurance needs to be purchased in the store and full insurance must be purchased in the first year of the new car. And then it goes beyond this. Some car 4S stores will also bundle the deal. If you buy a car in installments, you still need to pay the renewal deposit, which means that the second year’s car insurance will still be required. Buy it there, otherwise the deposit will be taken away by the car 4S store. The last reason is that for the sales staff of car 4S stores, interest-free loans are strongly recommended, which can lead to stronger commissions, and he also stipulates that the car insurance purchased by customers must be in the store within the loan period. So for every year's car insurance purchase, the car 4S store will also get a part of the profit. Of course, not only that, because the user has completed the manufacturer's interest-free loan policy, there are also other rewards for 4S.

Finally, I want to say: Judging from the current market situation, many customers actually choose to buy a car through a loan under semi-coercion. If you choose to pay in one lump sum, the service fee mentioned above and some other mentioned expenses will be omitted. However, the car 4S store will also increase some unreasonable miscellaneous expenses. For most one-time payments, the discount for the entire car will be very small. Therefore, overall consideration, many customers who want to purchase a car with a one-time payment will eventually choose the loan plan provided by the car 4S store. This is also the more helpless reality faced by many car customers at this stage! Of course, this is also a problem that friends who want to buy a car must understand and pay attention to in the future.