When we buy a car, we don't need a loan if we can pay the full amount, but the problem is that the budget is not enough, so sometimes not all problems can be explained by reason; The key is the budget. If the budget is sufficient, then buying a car in full must be the best solution (don't fantasize about saving money for investment, now you can only borrow money if the budget is insufficient. It is meaningless to talk about cost performance at this time! There are generally three kinds of car loans, namely bank loans, car financing loans and private financial institutions (this needs to be cautious); Take the bank loan as an example. Although there is interest, the interest is really low, so it is the most cost-effective to buy a car and apply for a bank loan, but the application is very difficult and requires a lot of relevant certificates (most people can't apply); Car manufacturers' financial loans have interest (or interest, but there is a handling fee), so it is easy to apply. As long as you have the ability to work and repay, this is the simplest and most common way to buy a car with a loan. As for the loans of some private financial institutions, it is recommended not to touch them as much as possible!

About discounts for car manufacturers.

In the past, manufacturers' financial loans were interest-bearing, and 4s stores were also charged; Of course, in order to increase sales, manufacturers now provide loan subsidies, that is, discount interest. A car with a naked car of 200,000 yuan can generally get a discount of about 1 10,000 yuan, which is the welfare that the manufacturer sincerely provides for consumers (real money and silver welfare); However, the 4s shop will not watch this piece of meat fall into the consumer's bowl, so it will charge a handling fee or financial service fee to share some benefits; In fact, there is no handling fee and service fee for auto financing loans, so this is a typical example of dealers charging fees in disorder! So it's definitely not cost-effective to borrow money to buy a car, because even if the loan is discounted, there will be a handling fee or service fee (unnecessary fee)? After that, you have to buy insurance in the store for one year or three years (usually three years)? Moreover, if you buy insurance in a 4s shop, the insurance coverage is extremely complete, and the rebate is extremely small. You can get tens of thousands in three years. Do you think this is a good deal? Moreover, many loans now need to install GPS locators to buy cars. This thing is sold outside 180 yuan. When you arrive at a 4s shop, the price will suddenly reach several thousand yuan. Do you think this is a good deal? Finally, I will give you a one-stop card service. You waste too much money! So how can I get a loan to buy a car? This simple truth is understandable enough; Now the automobile industry is not easy to do, and many dealers are staring at loans to buy cars. Because there are many loan processes, many links and more oil and water, many 4s stores are trying their best to get consumers to borrow money to buy a car and even raise the price of the whole vehicle. The purpose is to attract consumers to borrow money to buy a car, because it is good for 4s stores! But let's look at it from another angle. It's good for 4s stores, but it's definitely bad for consumers, because neither buyer nor seller has won!

Million car purchase subsidy