So, as you said, it's much cheaper to pick up the car in stages than in full. In fact, these are all superficial phenomena. When the car is discounted to a great extent, the profit from selling bicycles is very, very low. In this case, why can 4S stores make a profit? It is the so-called various service fees and after-sales maintenance fees. The service charge here starts with your loan. For example, picking up the car by stages, although on the surface it is 654.38+00000 yuan less, but when the price is finally negotiated, the seller will tell you that the insurance must be bought in the store, which may take two years, and the license must be handled in the store, and at least three or four thousand loan fees must be charged.
Buying a car with a loan is a blessing for some friends who are not well off. Spend tomorrow's money to realize today's dream; For friends with large business capital turnover, it can reduce the financial pressure. The disadvantage is that the procedures are cumbersome and require various certificates; The approval time is long, and it takes time for the bank to review you; You need to pay the handling fee and loan interest.
Both new and used cars like installment users. On the one hand, it can improve their performance, and every time they sell a car, they will get a profit commission, and sales will naturally enjoy it. On the other hand, as long as the car is sold, whether it is a loan or a full payment, the merchant should earn a lot of money. So user loans are banks or financial institutions. If the loan is successful, the relationship will be transferred immediately, and the user will no longer owe money to the merchant, but to the bank or financial institution. In addition, there is a cooperative relationship between 4S stores and used car dealers. Selling the money sold through loans, as well as loan rebates or commissions, makes money with both hands, and sales are naturally willing to let users borrow money to buy a car. Buying a car with a loan requires buying insurance in 4s, and all insurance costs are high. 4s stores will profit from it. It takes 4s handling fee to buy a car with a loan. Now that car prices are becoming more and more transparent, 4s stores will try their best to make a profit, which is why 4s stores suggest that everyone borrow money to buy a car.
Old drivers know that it is more expensive to buy insurance in a 4S shop, and the loan fee+licensing fee is also a big expense, so your final cost will not be less than buying a car in full. Therefore, the lower installment price is just a cover for the store to make you willing to borrow money. In fact, the wool is on the sheep, and your final cost will not be less.
But now, from another angle, if the total cost after installment is almost the same as the full amount, there is still a certain balance to pay for (small) and (scattered) when you get the car after installment. Moreover, the 4S shop has a very mature insurance/licensing process, which can be handled at one time only by making an appointment for half a day, which is very convenient for first-time car buyers.
As long as you buy a car by stages, the 4s shop will definitely let you buy all risks in his shop. And most importantly, there is no discount for the insurance company that cooperates in his store. If we contact the insurance company ourselves, there will be at least 20% rebate. In other words, if you buy insurance of 2,000 yuan, you can get 400 yuan cash back. All-insurance is a big expense, and rebate is also a big expense, and 4s points can earn a lot. Generally speaking, 60,000-70,000 yuan cars are fully insured for 4000-5000 yuan. This is an extra profit of 2000 yuan at once, which means you spent about 2000 yuan on insurance.
To put it bluntly, this installment fee is interest in disguise, and some are interest-free installments, but the handling fee is actually not much different from interest. Generally speaking, the handling fee is about 3000 yuan, which you don't have during the whole car purchase process, which is equivalent to spending 3000 yuan more. Of course, this part is not all earned by 4s stores, but 4s points will still earn a large part.
Since you are paying by installment, the loan is from a bank or loan company. Generally speaking, these units will install a gps locator for your car in case you don't return it. If you don't return it, you will locate it according to gps and recover it. This gps is about 100 yuan, but 4s points usually charge you about 1500-2500 yuan, so you spend about 2000 yuan more.
Buying a car is not once and for all. We still need maintenance, especially the new car. Do you usually recommend 4S stores? This fee varies from store to store. Drive a 70,000 Beiqi Magic Speed, go to the 4 S shop for 400+ maintenance every time, and go to a friend's shop every time 150. Maintenance 4 times a year, 2504= 1000. Can you understand this account?
At this time, if I put it in the past, I would definitely not want his things. Isn't this cheating? But now car dealers use this marketing method. I'll lie to you first. Some people are optimistic, but they can't save face, so they finally buy it.
Therefore, when buying a car, especially when buying a good car, if you are psychologically prepared, a loan is ok. After all, the down payment is really small, and it won't take up much money. However, if it is a general family car, it is recommended to pay the full amount, and there is not much money. Re-loan, all kinds of extra expenses will make you feel distressed. Finally, it is not worthwhile to spend tens of thousands more.