1. The handling fee is different.

When the manufacturer does not provide the zero interest rate policy, consumers need to bear two additional expenses: loan interest and handling fee (common); In the process of buying a car, there is no such charge as handling fee.

2. The time to buy a car is different.

The form of car loan will make many people who have confidence in future income buy cars in advance, which will significantly increase the sales of cars; Many people can't spend a lot of money to buy a car at one time, and it takes some time to deposit.

3. Different interests.

It takes 1-3 years to pay off the loan, and interest needs to be paid during the loan period; Buying a car in full is much less than buying a car with a loan, which will save a lot of time and energy, and there is no need to pay financial service fees and loan fees.

4. The insurance premium is different.

Many 4S stores will have long-term cooperative insurance companies. Usually, 4S stores will ask customers to buy full insurance at the store when they borrow money to buy a car, but not all insurance is suitable for everyone. All-in-one car customers can buy their own insurance without going through 4S stores.

5. The maintenance cost is different.

If the follow-up maintenance cost of buying a car in a 4S shop is basically bundled with the 4S shop, the 4S shop can earn maintenance fees from it; All cars are basically guaranteed for the first time in the 4S shop, and the owners of subsequent maintenance can choose at will.

6. Mortgage loan problem

Because during the loan period, the property right of the car is not yours, but your car as collateral. When the loan is paid off, the mortgage will be released. Buying a car means that during the loan period, your real estate license, car purchase invoice and all insurance policies must be kept in the bank, and the mortgage will be released after the loan is paid off; There is no need to mortgage the full amount. Million car purchase subsidy