Although cars are very affordable now, there is still some pressure for some ordinary working families to buy a car. Therefore, some people will choose a loan when buying a car, so the pressure will be much less. In fact, we went to the 4S shop to buy a car, and the staff of the 4S shop would also recommend us to buy a car with a loan, saying that the loan was more favorable. So, why is it better to buy a car with a loan than with the full amount? What's the problem?
Buying a car by loan can get more commission than buying a car. Although the number of people who borrow money to buy a car is more favorable than 10 million, in the end, if you calculate the profit of the car, the loan may make a lot of money. If the total amount of money for buying a car is more than the whole car, and the commission for cars and bicycles may be in 200 yuan or 300 yuan, then the commission can be increased to 800~ 1000 yuan if you buy a car with a loan.
In order to promote the loan to buy a car, they usually lower the loan price of the car, and the price of a full-size car is usually higher than the loan price. Then the question comes, who will choose a full-size car for such a good thing? There is no point in breaking things down. If you buy a car with a loan, you should know that when you buy a car with a loan, you have more money than all the money above, and you have more money to buy auto insurance. The 4s shop will borrow money from you within this period, and the insurance must be bought in the 4s shop to get the insurance rebate. Re-lending to buy a car, many of them have interest. In fact, when 4 S cooperates with a third-party guarantee company, the third-party guarantee company will return some profits to the 4s store, and so will 4S, which is why the 4S store is willing to provide several thousand yuan discount for this type of car, so that you can borrow money to buy a car.
The problem is that the cheap loan for buying a car is the price of a naked car. If you want to choose a loan, then your good brother, your insurance, loans and other fine decoration will appear, which are mandatory or will tempt you to go their way, and 4s stores will profit from it. What we are familiar with is the rights protection case of Mercedes-Benz female car owners, which has attracted the attention of hundreds of millions of people on the Internet recently. This case exposed this hidden rule of the automobile industry to the public. Even if you choose to buy the whole vehicle, the owner will face a problem, that is, in the first year when the merchant buys insurance, if you choose not to buy it, then the merchant will charge you 1,000 to several thousand unexplained service fees, and the owner does not want to spend this money, so you must buy insurance in this store.