Before the loan is paid off, the first beneficiary on the policy can only be the lending institution, not you. If you are fully responsible for the accident of the vehicle, as long as you repay the loan normally and are not overdue, the insurance company needs the benefits of insurance claims. Failing to send it within the time limit. I won't pay for it after repairing the car. Remember to pay back on time. Therefore, it is legally necessary to protect the rights and interests of banks, so the first beneficiary is the bank.

As far as sales are concerned, the bicycle only needs 50-200 yuan, and the best-selling cars on the automobile sales list, such as LaVida, Sylphy, Yinglang, Sagitar and Corolla, are basically around 50 yuan. Of course, there are also models with a commission of more than 1 000 yuan, which are generally damaged cars and stock cars. People who have the ability to sell can reduce losses for 4S stores, and the commission will naturally be higher. If you only take the car dealer to pick up the car, the bottom line of sales+commission will not exceed 5,000 yuan a month, and it won't be long before the 4S shop will dismiss the sales staff who only sell the car commission.

Because popular models never lack sales, they can be sold without selling cars. What 4S stores need is sales that allow customers to borrow money to buy cars. Only when customers borrow money to buy a car can 4S stores continue to make profits and their monthly sales exceed 1000 yuan. It is a win-win situation for 4S stores and sales, but for the possible settings of the owners, there will basically be 3 big pits! I will break it down, hoping to provide some valuable information to readers who want to buy a car.

When I first entered the 4S shop, an old salesman told me that the previous 4S shop didn't like customers to borrow money to buy a car. The main reason is that there are many procedures, many materials and a long time to buy a car by loan, which delays the reception of the next customer. But it turned out that it was complicated to buy a car with a loan, and so was the customer. Customers basically don't ask for details, so there is a lot of business space, and 4S stores can charge more service fees. For example, I borrowed money to buy a car some time ago. The price of this car is 2 1.68 million yuan. The down payment is 99,800 yuan, and the loan is 1 1.7 million yuan. 4S shop can enjoy 80,000 yuan interest-free, with total loan interest of 3,099.29 yuan and monthly payment of 5,004.14 yuan, including service fee of 2,000 yuan. The service fee is the loan service fee, which was 4000 yuan when it was first sold. After some bargaining, the deal was finally made at 2000 yuan.