For many ordinary people, the down payment for buying a house even needs to empty the savings of three generations to get enough. Buying a house with a loan is just a last resort. For ordinary wage earners, I am afraid that few people will be willing to live a life with little left after paying their wages every month and paying off their mortgage.
Can you imagine my days at that time? Pay back three loans every month: mortgage loan, another house mortgage loan and car loan. In this way, it took me a year to pay off the car loan before I felt a little relaxed. Now that I think about it, I must be crazy! Helpless is that several people in the unit pooled their money and borrowed some money from the young man to buy a used car, and then several people went to work together; There is no money at home, so I can't help. It's too far to ride an electric car. I know this is because he learned his driver's license from me, and I followed suit when I bought a car. Two years ago, the car I bought at first really couldn't drive, so I bought another one. At that time, it could be paid in one lump sum, but it was still a two-year interest-free loan.
Many people will also lose a lot. But one thing is certain, in the whole Wenzhou area at that time, few people bought millions of luxury cars without getting into hundreds of thousands of cars. Overdraft car purchase is a symbol of wealth and a means of financing. So it's not cost-effective, not cost-effective. Whether you understand it or not, buying a car with a loan is a very helpless way to buy a car; Consumers who choose loans to buy cars are generally just in need, but the pressure of full funds is too great, so he can only choose loans and make long-term considerations.