At present, it is not profitable to sell cars, and even some models are sold at a loss. If consumers buy cars in full, dealers will be unprofitable. Therefore, some dealers ask salesmen to try their best to make consumers borrow money to buy cars, so that they can earn some handling fees.
3. Buying a car with a loan requires full insurance, and 4S stores can get some profits from insurance companies.
4. Many car brands have auto financing companies to provide car loans to consumers. Due to the differences in the assessment of dealers, some dealers will encourage consumers to choose loans to buy cars. However, the loan to buy a car requires a handling fee, but it is not used in full. If you are satisfied, please adopt it.
When I got a loan, I asked the bank who made the interest-free money. It is said that it is a factory discount, which is a marketing tool of various manufacturers. 1, the benefits of selling oil card price difference insurance rebates to bank loan officers (optional for many banks) 2. The bank loan officer has completed the task performance. I get some interest from bank financing. The manufacturer's discount is about 5000 yuan, but it may be that I sold an extra car because I was short of money (even if I bought it in full). So you have to ask yourself which one you want to spend more money on and calculate whether it is profitable. How difficult it is to reduce the price by two or three thousand.
That's not all. I just changed the full amount into a loan. I didn't recommend 18 installment, but asked for 12 installment, which is interest-free. In this way, I only need to buy a burglary (loan must be bought) (2000 yuan), and I have to buy a two-year 18 installment. Other types of insurance are not subject to arbitrary restrictions. The handling fee is 1 ten thousand yuan, but an oil card of 1 ten thousand yuan is added. I choose to pay 30% and 70% of the loan. According to the calculation, 12 (after deducting theft and emergency rescue) still has a profit of nearly 260,000 yuan.
As the saying goes, from Nanjing to Beijing, you bought a car but didn't sell it. If you buy a car in full, then the 4S shop can't ask you to buy full insurance from the 4S shop. The 4S shop only earns the normal price difference of your car, but if you borrow money, it will make the price difference lower than the full price. Although the price of the car you see is very low, the corresponding 4S store will require you to buy insurance in the 4S store, and it is full insurance. In this case, some may need to charge your renewal deposit, which is the first reason, and the second reason is that the loan will generate interest and financial service fees, and some will also charge GPS positioning fees, so buying a car in full is less expensive than buying a car in installments. Of course, if you don't have enough money, buying a car by stages is a very good way. I hope my question can help you.
When car-buying partners want to buy a car in full, why do car dealers always suggest borrowing money to buy a car? Is there something fishy here? Let me analyze these problems from the perspective of loans.
The job of sales is to maximize profits, otherwise, no one will be happy if he sells a car hard and earns 100 yuan.
When I used to be a car loan resident clerk in Guangzhou Automobile Toyota 4s store, I chatted with the sales staff when I was bored, and I also learned some about their commission. Take Toyota Lei Ling as an example. If it is sold in full, the bare car price 100, and if it is loaned, it is 300. C-HR also has a commission of 500, and the loan 1000. This is also the main reason why sales have always recommended your loan.
4s stores also have requirements for "financial penetration rate" (the proportion of cars sold by loans to all cars sold). If the sales do not meet the requirements, the money will be deducted.
There must be something fishy, and all walks of life will be a little bit. There are two main tricks about car loans and car buying partners.
Buying a car with a loan costs more than buying it in full, but the money will be evenly distributed in the next two to three years, so customers will not be so sensitive.
The loan is sold to you to make more money. If you apply for a loan, you will pay more fees, especially the handling fee. However, this does not mean that it is not good to buy a car with a loan. Everyone has his own way. For example, friends who like to invest to make money will definitely choose loans.
Do you think there is something fishy in the loan? We can discuss it together in the comments.
6 1 Real people specialize in car loans.
I'm glad to answer your question.
With the improvement of people's living standards and quality in China, cars, as commodities for mass consumption, have entered ordinary families. In recent years, automobile 4S stores or dealerships have been opened in various places, and there will inevitably be fierce competition among peers.
When ordinary consumers buy cars, they must choose carefully and check many stores for repeated comparison, so it is impossible to get such high profits just by selling cars.
Therefore, 4S stores will recommend using loans to buy cars, and many manufacturers provide interest-free subsidies for loans to buy cars. 4S stores charge them fees, which will greatly increase their profits.
My suggestion is to buy a car in full and try not to borrow money.
I'm glad to answer your question.
Volkswagen POLO is a very popular A0 hatchback, and its market share is also very high, especially in the later period, so there are few discounts at the same level.
The sales consultant mentioned by the landlord always advises you to borrow money. Let me analyze it for your reference only.
From the car's point of view, due to the large demand for cars, the discount on new cars is very small, and the price of 4S stores picking up cars from manufacturers is relatively firm. Nowadays, the profit of bicycles as a means of transportation is very small. If you buy a car in full, the sales consultant will receive a commission of several hundred dollars, especially for the model with the price like the POLO you bought. Each sales consultant has a sales target every month.
From the point of view of loan, if you buy a car with a price of100000 yuan, the store can get a rebate of several thousand yuan from the financial company, which does not include all the handling fees and licensing fees, so why not let you borrow a car with a price of several hundred yuan?
Therefore, when buying a car, many suggestions made by sales consultants have many uses for them, such as maintenance vouchers, charging you for working hours and oil upgrade business for the next maintenance, and insurance purchase is also more expensive. I suggest you buy a car to know more about it, which is very helpful.
You only need to pay the full amount, the insurance can be bought by yourself, which is more cost-effective, and the insurance has a rebate. You can use these rebates to buy some good auto parts for your car, such as car film, cushion, foot pad and some decorations, which are much better than those given to you by the store. Generally, the decorations given to you in the store are the cheapest products, which are added to the car price, saying that they are actually inferior products that you paid for yourself. Therefore, if you can pay the full amount, don't take out a loan. The loan auto insurance must be all-insurance and the price is high. Needless to say, some stores are forced to buy burglary insurance for two or three years at a time, and the rebates of these insurances all come from 4S stores. You have nothing, and the handling fee or financial service fee is the extra money you pay. As long as you borrow money from a 4S shop, you will be deducted. This fee is not charged by the manufacturer or the bank, but the net profit of the store and the household expenses. At present, the household registration fee is about 200 yuan, depending on the charging standards in different regions, but if you want to borrow money, you must go to the household registration by the people in the store. This cost is about 1000 yuan, and the loan car is required to install GPS positioning. This fee is about 100-500 yuan, and the store will usually charge you about 1000-2000 yuan, which is just an extra fee. It will cost you about 5000 yuan.
The advantages of selling cars with 4S shop loans are as follows.
First of all, buying a car with a loan can increase the sales of cars. In fact, this truth is very simple. For example, if you only have 1 10,000 yuan now, what should you do if you want to buy a car with110,000 yuan? Just like before, when there was no loan policy, you had to save money slowly for two to three years before you could buy a car. Invisibly, the sales of 4S stores have declined, so if you have 1 10,000 yuan to go to 4S stores now, the sales staff will definitely try to get you to borrow money to buy a car.
Secondly, in order to increase the profits of 4S stores, I believe everyone knows that there are more and more 4S stores now, and the competition among natural peers is fierce. Except for some popular models or so-called "magic cars", many cars are actually sold at low prices, while for some few models, in order to operate, 4S stores may implement a zero-profit policy, allowing you to borrow money to buy a car during the event. Old drivers certainly know this.
Of course, some friends said I got a loan, but I can't go to the 4S shop for maintenance and repair. Then I can only think that you are still a little white, and 4S stores will naturally have their own methods. For example, auto finance is a good means of profit, such as handling fees, library fees, licensing fees and so on. There are almost tens of thousands of cars, so they can make a quick profit of nearly tens of thousands after selling a car. In addition, if 4S stores cooperate with non-bank financial institutions for loans, the value generated in the middle will be higher, so I will not elaborate on this point. In short, wool comes from sheep.
Generally speaking, why 4S stores like you to borrow money to buy a car is nothing more than getting more and higher profits from it, so this is an important reason why 4S stores and sales staff encourage you and hope you to borrow money.
First, you have to buy a car. Second, you calculate it is cheaper. Third, it depends on your own wishes. For example, even if the loan is cheap 1 10,000 yuan, I am tired of repaying the loan every month, so I will repay it in full.
Opportunistically, it is estimated that the loan business has money to earn, that's all. He earns money because he goes out to work, and he exists to earn money, but as long as you don't pay extra, it has nothing to do with you.
It's not tricky at all! Because 4S stores don't make money selling cars now, making money mainly depends on the manufacturer's rebate obtained according to the sales volume, various expenses of post-maintenance and early installment payment, and the rebate of insurance companies!
Generally, there are financial plans and assessment indicators. If you say 24 installments are interest-free, why not put all your eggs in one basket? You can also do other things with this money.