If you don't borrow money or buy insurance in the 4S store, the 4S store will also try to earn this profit in other links. Today, with the profit of selling cars getting lower and lower, all the links such as loan, insurance, decoration and licensing are ways to generate income from 4S and sales, and there is always one link that you can't escape.

Since we can't escape, we can't be slaughtered. You should beware of the backstabbing behind the 4S shop loan to buy a car.

1, "low daily supply", "zero interest rate"

Many businesses advertise "low daily supply" and "zero interest rate". This seemingly beautiful thing, carefully calculating the cost, has a series of expenditures around loans that exceed the profit from selling cars.

2. Handling fee

Most 4S stores use the handling fee as a part of the profit source. The average car is about 2,500-3,000 yuan, and even more if it is a luxury car.

3. Refuse to bundle sales

For example, the purchase of car insurance by loan must be tied with the purchase of 4S stores, and the types of insurance are limited. When you encounter the problem of bundling, you need to bargain with the sales staff to minimize your expenses.

Consumer loans to buy a car have become the mainstream, and whether to buy a car with loans or in full must weigh your actual situation. If the living money on hand is loaned and reinvested, the income can offset the extra cost of buying a car with a loan. Of course, it is better to buy a car with a loan, and vice versa.