If you buy a car in full, you generally don't need to buy insurance in the store; If it is a loan, you will generally be required to buy insurance in the store. Buying insurance in the store is mainly expensive, but it will be easier to deal with accidents; It is relatively cheap to buy insurance outside, and it is relatively troublesome to deal with accidents. If you buy insurance in the store for three years, it will generally cost about 2000 yuan more.

Excuse me, the preferential condition for going to the car shop is that the loan shop in the store has insurance. What does this mean?

1.

Just want to buy a car at a discount, you must add interior, that is, luxury configuration series. If you don't have enough money, the store can help you with the loan procedures, all on the premise of buying a car in the car shop;

2.

In-store loan means that if the car shop doesn't have enough money, it can provide in-store loan, which is simpler than its own loan procedures;

3.

Need to add decoration refers to buying a car in the store. If you need to add decoration on the basis of buying a car, then the price of decoration can enjoy certain concessions;

4.

In-store replacement refers to a certain period of time after the car is sold in the store. If there is no man-made damage and the car has quality problems, you can go to the store with an invoice to replace the old electrical appliances with new ones.

5.

Extended warranty refers to buying a car in the store and sending an extended warranty, which means it takes a certain time longer than the insurance when the car is produced, even longer than the insurance on the market, which means more protection;

6.

It is indeed a marketing tool, and it is indeed much safer and more authoritative than the outside world.

What is the saying that store decoration needs insurance in-store loans?

1, 4s shop sold the car to you at an acceptable price and didn't make you money from the car price;

2, but correspondingly, you have to earn your money by adding parts and insurance (adding parts and insurance can be much cheaper to buy outside). If you want a loan, you must apply for it from a financial company in a 4s shop. You can't choose your own bank and earn another sum from interest or handling fees.

If you can't accept it, then I won't sell the car to you or I can't sell it to you at a relatively cheap price.

4. Generally speaking, it is a conditional discount. Believe that there is no pie in the sky, and there is no bargain.

Do I have to buy insurance in the store to buy a car with a loan?

You don't have to buy insurance in the store to buy a car. Some 4s stores will force customers to buy insurance in the store, and customers can refuse to buy insurance products at real insurance companies. Of course, if the customer refuses to buy insurance in the store, the dealer may not sell the car, or collect some funds from the customer in other ways, or even say that he cannot apply for a car loan without buying insurance in the store.

When a customer borrows money to buy a car, the bank or lending institution will not require insurance for the customer. As long as the following qualifications meet the requirements, they can apply for a loan.

1. There is no stain on the credit report.

2. The income is stable and can be repaid.

3. Pay the corresponding down payment.

Relatively speaking, the review of car loans is not so strict. As long as the customer's qualification is not too bad, the loan will still be obtained, and the lending institution will not refuse the loan because the customer did not buy insurance in the store. These are all things that customers should pay attention to.

Of course, after successfully applying for a car loan, customers should remember to repay on time. There is no grace period for car loans. If the customer fails to repay the loan in time before the repayment date expires, it is overdue, which will affect personal credit information and will be calculated as penalty interest.

If you buy a car in a 4S shop, you need to decorate the insurance in the in-store loan shop. How much do I need to add?

About 1000 to 1005.

If you make money in the store, it is usually about 3000-5000 loan fee or interest; Insurance mainly depends on what kind of insurance you have, which is generally the same as that of the third child: excluding the car damage of the three, plus the compulsory insurance, the first car insurance is 4500; Decoration is nothing more than steering wheel cover, seat cover, foot pad, fender, film and so on. Plus around 500 yuan. So all three expenses should be around1w. Suggestion: hand in some of it yourself, swipe some with a credit card, look at the benefits or benefits of insurance in the 4S shop, and then decide whether to buy insurance in the shop.

Extended data:

Car installment payment

Car installment is to divide users into several installments and pay in installments every month. Installment payment is a hot spot in the current automobile market. In the current market environment of car fans, installment payment is regarded by many businesses as an effective means to seize market share.

Long payment term, many choices

Some time ago, the staged car sales activities launched by merchants generally required to pay off the balance within two years. Some merchants extend the payment period to 40 months, and the monthly payment is greatly reduced. The monthly payment is only a few hundred yuan, which is more attractive to consumers. At the same time, the down payment has also been appropriately reduced. As long as the down payment of Changan car in Ordnance Auto Trade is 3000 yuan, a mid-range color TV can drive the car home. The enthusiasm of the merchants is very high. In the current market environment of car fans, installment payment is regarded by many businesses as an effective means to seize market share.

(Source: Baidu Encyclopedia: Car Staging)