Although the loan car has a large surface discount, the cost is higher than that of the full car. First, there is a handling fee for the loan to buy a car, which will be charged according to the loan amount, ranging from 2000 to tens of thousands, if there are more high-end cars. Merchants will promote two-year interest-free or three-year low-interest loan business. Second, buying a car with a loan requires buying insurance in a 4S store during the loan period. If you buy it outside, it will be at least 30% cheaper than in a 4S store. Therefore, the family car of100000 can be insured for at least 3000 yuan in two years. Third, the loan car should be installed at the price of 2000-3000 yuan. In fact, if you buy it online, 500 yuan is the best value. Fourth, the loan car should receive green capital, and the management fee is 20 yuan every month and 480 yuan for two years. After changing the loan, if you get the Green Paper, you will have to go to the designated vehicle registration office to cancel the mortgage, which will cost 50 yuan. And, of course, 500 yuan's outbound charges and so on. There are still two days to delay.
Buying a car in full is actually more cost-effective, because if you buy a car in full, you don't have to pay extra interest.
If it is a loan to buy a car, because we have to pay a down payment of 30%, if it is a car with a price of 6.5438+10,000 yuan, we have to pay 30,000 yuan, plus other things, such as insurance and purchase tax, it will cost 50,000 yuan to 60,000 yuan. So if you calculate this way, the down payment, plus the money of 7788, and finally the interest paid every month, is 10,000 to 20,000 more expensive than the full car.
If it is an expensive car, then you have to pay more interest, so if the economic conditions permit, I still think it will be more economical to buy a full car.
But from another perspective, if you buy a car with a loan, you can resist certain risks, because money will inflate.
You can drive away if you buy a car in full. You can recite a big green book without GPS positioning. There is no limit. The biggest point is that you don't have to pay back the money. You need to borrow money to buy a car. First of all, you need to cancel the monthly payment, and you need to pay extra. Fortunately, the loan period is short and there is no repayment fee. If it takes a long time, you have to pay a certain percentage of the fee. Most of the green papers are withheld, and there is a time limit, and GPS will be added to you.