If you buy a car by stages, the 4S shop can earn a lot of subsequent handling fees, but there is no handling fee for buying a car in full, so buying a car in full is more expensive than buying a car in stages.

Generally speaking, the profit of selling cars in 4S shops is very low, and some even sell cars with money (in order to complete sales). In order to survive, they must earn income by other means, and the so-called loan fee is one of the main channels for them to make money.

At present, most financial lending institutions only charge interest without handling fees, so the handling fees charged by 4S stores are only a means of profit in the stores. In addition, some 4S stores will force users to purchase all vehicle commercial insurance including theft and emergency insurance during the loan period, which also explains why loans are often more favorable than the full amount-the wool is on the sheep.

Extended data:

The "trap" of buying a car with a loan: Many auto financing companies have introduced interest-free car loans, but it must be noted that there is no interest rate ≠ no cost! Because there will be all kinds of "traps" hidden inside.

① handling fee

At present, there are many financial loans in the market that claim that installment payment is interest-free, but in fact there will be some handling fees, and the overall handling fees will be almost the same as the interest rate.

② Compulsory automobile insurance

Buying a car with a bank loan means that the car belongs to the bank before the bank loan is paid off. In order to reduce the risk, banks generally put forward some auto insurance that must be purchased as loan conditions in the car loan contract; The premiums of these auto insurance may be much higher. It is recommended to read the relevant insurance clauses carefully when applying for a car loan.

③ original car purchase

Some financial institutions will promote the car with real interest-free and fee-free. In fact, they don't charge interest and fees. However, the original preferential car price is gone, and they can only buy cars at the original price. Compared with about 200 thousand vehicles, it cost about 20 thousand more.

People's Network-Is it a local tyrant to buy a car in full? Talk about car loans.