Owning a car is a generation's dream. This is a dream of being imprisoned. Now that the conditions are met, I will definitely buy myself a car from a group of people, but it will be passed down from generation to generation. China people's comparative psychology is still relatively heavy. Many rural families have spent years of savings to buy cars. The purpose is obvious, and buying a car is very useful. That's for sure. You can if you don't buy a car. The transportation system in China is not convenient enough, especially in remote towns. It would be very convenient if you had your own car.

The advantage of buying a car in full is that you can pay it in one lump sum, so don't worry, but you need to pay a lot of cash in one lump sum. In addition to the car price, the loan to buy a car also needs to pay the handling fee and interest. Its advantage is that the car mainly bears part of the money first.

Full car purchase needs to pay: purchase tax, listing fee, compulsory insurance, travel tax, and insurance is voluntary; It is totally risky for banks to ask for loans to buy houses, and so is the country/region. Because the property right of the car is not yours during the loan period, use your car as collateral. When you pay off the loan, you can mortgage it.

Buying a car with a loan means that during the loan period, your property certificate, car purchase invoice and complete insurance policy must be deposited in the bank, and then the loan will be paid off before the mortgage is released; There is no need to mortgage the full amount, not that much. At present, the bank and financial interest of ordinary car loans is about 10%, so it is very high. The interest on bank loans to enterprises is only 7.05%. Some cars are interest-free and interest-free for one year, but such vehicles usually mention that if so, this is a cash discount of 20 thousand to 50 thousand yuan.