I have the strength to buy a car in full, but I don't want to buy it in full. Many people here are in business. They all need a lot of liquidity, so they prefer to buy a car with a low down payment to make their liquidity sufficient. They buy cars not only for their own transportation, but also to enhance their own or company's image. They plan to buy cars to save face. For them, this car is actually equivalent to a tool to make money. He needs this car to prove his strength, so even if they have enough money to buy a car now, they won't put it in one basket.
At present, the interest on car loans is relatively small, much less than that on corporate loans. Even many car companies have implemented interest-free loan policies. For businessmen who need to ensure sufficient funds at hand at these times, they can borrow money and never pay the full amount.
Secondly, for ordinary people, there may be no need to do business, but there may be better investment channels. The interest on car loans is relatively low. If you have better investment channels, the investment interest can be much higher than the car loan interest, then it is also cost-effective to buy a car with a loan. You can earn a spread from it.
Another most important reason is that many 4s stores force consumers to borrow money to buy cars. They won't do it blatantly, but they will always lure you to get a loan to buy a car. In order to promote consumers to borrow money to buy a car, many 4s stores give different preferential margins to the full car and the loan car. For example, a friend around me bought Volkswagen LaVida some time ago. He originally wanted to buy it in full, but the discount for buying a car in full was only 654.38+0.8 million, and navigation and reversing images were not sent. Loan to buy a car, with a discount of 23,000 yuan, including navigation, reversing images, film pasting and other decorations. Loans to buy a car are obviously more favorable, and gifts are more attractive, which induces consumers to choose loans.
Other stores are even more merciless, not only making the preferential margin of loan car purchase and full car purchase different, but also directly controlling the landing price of loan car purchase and full car purchase, so that the total price of loan car purchase and full car purchase is almost equal. In this case, consumers are forced to borrow money to buy a car. For example, some time ago, a friend bought this Kia K3. If you buy it in full, the discount will be 265,438+0,000, and if you buy it with a loan, the discount will be 23,000. The service fee for the whole car is 2000 yuan, and the service fee for the loan car is 3000 yuan. The loan of 70 thousand yuan is still interest-free for two years.
The total landing price for buying a car in full amount is 103069 yuan, and the total landing price for buying a car in loan is 10 1892 yuan. The total price of buying a car with a loan is several thousand dollars cheaper than the total price of buying a car with a full loan. In this case, although the 4S shop did not explicitly say that it must choose a loan to buy a car, consumers are willing to be fools and will definitely choose this way of buying a car with a small total price. So I was forced to take out a loan to buy a car.