The simple answer is that the sales consultant who borrows money to buy a car gets much more commission than the full car. At present, the competitive sales of new cars are fierce, and there is no profit margin on the basic car price, and all car buyers can buy insurance for one year at most, and nothing else. For 4S shops, almost no money is made, and the commission for sales consultants is naturally very small.
If the customer chooses a loan, the first cooperative lending institution will give the 4S store a corresponding rebate. Then the loan vehicle usually needs to buy more commercial insurance. If the vehicle is loaned for two years, it will buy commercial insurance for three years, and the insurance company will also give the 4S shop a premium rebate. In addition, some 4S stores will bundle some extra decorations, especially when the factory has interest-free discount activities. If customers want to enjoy preferential policies, they can only accept these derivatives. Finally, 4S stores will charge customers a loan fee, which varies from region to region and brand. We can see that when customers choose loans, 4S stores will increase a lot of profit points, and at the same time, they will give higher commissions to sales consultants and encourage them to sell more promotional loans, so sales consultants will naturally be more enthusiastic about loan customers.
Of course, we are not saying that loans must be the routine of 4S shopping malls. In fact, a loan can relieve the pressure of a large sum of money when we buy a car. As long as we meet a suitable loan scheme, the repayment amount is within our ability, which is completely a car loan scheme that can be considered.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.