First of all, this is quite common, unreasonable and illegal in many places, but it is the disadvantage of buying a car with a loan. The law is not clear, so banks and 4S stores take advantage of it.

Second, the 2000 renewal deposit you mentioned is the behavior of 4S stores, that is to say, if you borrow money to buy a car, you must pay insurance in their stores, and the later insurance must also be paid in their stores. Otherwise, the deposit will not be refunded. Generally, you can offset the cost by buying it once in the second year (personally, sometimes it is more cost-effective to pay insurance in 4S than outside, except for the discount, you can also send a maintenance, and it is still counted to pay it outside)

Third, GPS belongs to the bank. Generally, bank loans require adding something. This is common in many places, but 3000 GPS is more expensive. Because all cars now have GPS, there is no need to add it. So you can negotiate this with 4 S. If you haven't bought it yet, you'd better not. After all, no one wants to add 3000 yuan to a new car, and you don't have to go to their house to buy it.

Finally, it costs more handling fees and loan interest to buy a car by loan, but it is not cost-effective to add something of 3000 yuan. A 60,000 car, the car loan is 30%, so the loan needs 40,000. According to the interest rate of 4, the interest of 40,000 yuan is 1.600, which is about 5,800 yuan in three years, and the total interest for three years is only 5,800 yuan. It's not worth it. Unlike the renewal deposit of 2000, any one can be offset, and it is a big deal to buy it from them the next year, but the GPS of 3000 is really not worth it. If negotiation fails, I personally don't recommend buying. Go to other stores and have a look.

Extended data:

Nowadays, the speed of road development and renewal is getting faster and faster, and navigation has basically become an essential artifact for travel. The installation of all-in-one navigation machine not only affects the original central control layout and function buttons of the car, but also has the disadvantages of complicated updating process and slow updating speed of road information. And now a mobile phone is enough to complete the navigation function, which is convenient and fast, so the existence value of the navigation integrated machine is not great.

References:

Car loan _ Baidu Encyclopedia