There are a lot of tricks in 4S stores. Secondly, before buying a car, you must negotiate with the 4S store about what to give. If you can’t negotiate, just grind it out. It depends on who has more time. If he sees that you haven’t asked for too long, he will take the initiative. I called you and asked you to come over to discuss it, so it was just hard work. When paying a deposit, it must be clearly written in the contract. If there are any special circumstances, whether the deposit is refundable. Furthermore, let’s go back to the difference between buying a car with full payment and buying a car with a loan. In fact, the 4S shop can’t make much money if you buy a car with full payment. The first insurance premium for the full payment is low, and there is no need for mortgage fees, comprehensive service fees, and interest, so A 4S store can’t make money, but a loan can earn you the fees mentioned above. So why is it that when you go to a 4S store or make a phone call, the first thing you ask is whether it’s a mortgage or full payment. A 4S store makes more money with a mortgage, and the sales staff’s commission is also high. This is why you get a loan to buy a car.

The advent of the Internet age has brought a lot of convenience to our lives. Take buying a car as an example. Nowadays, you can buy a car with full payment, buy a car with a loan, and pay in installments. It is dizzying and I don’t know what to choose. , let me tell you,

1 Buy a car in full. For example, a naked car costs 100,000 yuan, and the full price plus various expenses is about 110,000 yuan. Then you put all the expenses Once settled, the car will be completely yours

2. Buying a car with a loan is still a car with a naked price of 100,000. In addition to various expenses, you also need to include the loan. Interest, although many people say there is no interest, well, hehe, I won’t go into details. In short, the total is 110,000 +

3 installments. This method of buying a car has the biggest trap. If you don't pay attention, you may end up spending half a car extra. A car that originally costs 100,000 yuan may cost you around 160,000 yuan in the end. And the more expensive the car you buy, the more money you will spend.

So, if you have sufficient funds, it is still recommended to buy a car in full, followed by a loan. If you really have no money and want to own a car of your own, you might as well try installment payment.

In May 2016, I bought a 2.5L Atez for my son. The bare car price was 189,800 yuan. I borrowed 100,000 points for three years and paid back more than 3,000 yuan every month (I forgot the details). At that time, 4S If the store has bank staff stationed in the store, you can go directly to the bank to apply for a loan. There are no other fees at the 4S store, except that you have to get insurance from them in the first year. The registration fee is only 500 yuan. You have to go to the window to handle the surcharge yourself. Loans are calculated based on bank interest rates