At the age of 24, on impulse, I bought my first car with a down payment of160,000 and a loan of150,000. It was originally a festive event, but I never expected that what happened later was completely out of my expectation. After graduation from 20 14, neither my classmates nor I were in a hurry to interview for a job like others. We rented a second house and started our business. Mainly doing e-commerce, to be honest, although there was great competition at that time, it was still good, that is, in those two years, we made a small profit in my life. At that time, we had some savings in our hands and began to expand. Plus, we just got our driver's license and always wanted to have a car of our own. After a good car addiction, we watched cars online every day. Finally, I decided on the model, so I went to the 4S shop to see the real car. I went to see it with my classmates, and I am going to buy it together. When we went to the 4S shop, we said that we would buy them all, probably because we were still young and the salespeople in the 4S shop didn't want to believe that we really bought this car. It seems much more casual when introducing this car.

The first regret: stepping on the "pit" behind the "three-year interest-free"

Buying a car for the first time, inexperienced, impulsive. Coupled with the "comparison" of later sales, I said that we just caught up with the "three-year interest-free" implemented by their brand for the first time and decided to buy it immediately. Next, I talked about how to pay. They offered two plans. The first plan: three years interest-free, 50% down payment, and they film the whole car, front and rear foot pads, trunk mat, driving recorder, and so on. Option 2: Buy the car in full, and they will send the front and rear floor mats and trunk mat, and send them to 1 for maintenance.

Probably confirmed the process and other expenses, and the sales also specifically said that these expenses should be paid for buying a car. In fact, I had already learned about these expenses before, so I didn't care too much and chose the first plan. Then I signed a car purchase contract, paid a deposit and submitted the car loan procedures. Some of them have been successfully completed. When picking up the car, the "pit" came. These "pits" gradually realized that they had overcharged a lot of money after buying a car:

(1) The comprehensive financial service fee was 8500. At that time, that brand was normal. (2) 2)GPS equipment fee 1980, some stores can directly talk about this fee and don't charge it; (3) You need to handle 800 cards, but in fact 200 cards can be handled; (4) Insurance needs to be purchased through designated channels, which is more expensive than buying it yourself 1000 yuan; (5) After paying off the car loan, it took 500 yuan to cancel the mortgage. A total of more than 7,000 yuan was offset.

The second regret: "young and frivolous", in order to have some "face", I bought a car with a loan.

Perhaps "youth and ignorance", with a little savings in hand, it began to swell. Some people always want to buy a car with a little face. It is this kind of psychology, coupled with impulse, that I choose to borrow money to buy a car. At that age, it should have been a good precipitation to seek greater development. Instead, I spent money on consumables and so-called face. Later, the two of us calculated it carefully, and all the expenses came to nearly 340 thousand. Actually, this money is not the point. The point is that we put all our money in the car. In less than half a year, we won't have enough money to invest. At that time, e-commerce compared with bidding, popularity decreased and sales plummeted. There is hardly much income. We managed to maintain a monthly payment of more than 4000 yuan and lost too many development opportunities.

The third regret: the expenses after buying a car are too "amazing"

1, insurance premium, even if the average annual fuel fee is 6000,2, the average share is about 70 cents per 1 km. According to the calculation, if you buy a new car, you will often drive more than 20,000 kilometers a year. Even if a year 15000, the maintenance cost is almost 8000 kilometers at a time, and the basic maintenance is more than 1000. If it is more than 30,000 kilometers, the maintenance fee will be more, one year 15000 kilometers, and the maintenance fee will be 2500 twice. 4. Parking spaces and parking fees will be calculated on average every month. 5. Car washing and other miscellaneous things count as 1 0,000. At that time, it cost more than 30 thousand a year. In fact, all this was done by a 65438+ million car. The cost of the scooter is calculated as 1 year, which is almost10.5 million, so you don't need to buy more than 200,000 cars to walk.

Give some advice to friends who are about to buy a car:

First of all, the car is just a means of transportation. Never borrow money to buy a car for the sake of so-called face. It will not bring you the joy of buying a car, but the debt. Everyone has to face up. Real face is bought by strength and ability. You must do your best.

Second, if you really need to buy a car, it must be based on your actual use. Many functions of many cars are basically useless, so there is no need to spend more money on those impractical functions. If it's just for walking, there's no need to buy a top car. Matching cars is more enjoyable, for example, the same model:

(1) The remote start function is actually rarely used, and the most is to turn on the air conditioner in advance. (2) Seat memory, now basically everyone has a car to drive by themselves, there is no need to remember. (3) Automatic headlight cleaning function, the only time is to try how to use it. (4) Panoramic skylights are rarely opened once a year, but the appearance is better.

Third, the loan to buy a car must have a detailed list of expenses, not verbally agreed; Once you pay the deposit or deposit and sign the contract, it's hard for you to talk to them again.

Fourth, make a comparison before buying a car, and understand the bottom price of bare cars and other surcharges through various channels, so that you can talk about discounts with 4S stores. The sales of many 4S stores are "watching the market", especially when Xiaobai buys a car.

Fifth, be careful when checking cars. Generally, 4S shops will wash cars, which are manifested in the following aspects:

1, first look at the production date. In case of a stock car, the production date is generally at the door of the main and auxiliary cab, or on the nameplate of the engine compartment, or through the frame number on the windshield in front of the cab (consisting of 17 digits). Generally speaking, domestic cars should not exceed 6 months, preferably within 3 months; Imported cars should not exceed 1 year, preferably within 6 months, after which they are basically available. 2. For the layman to check the car, it is basically to look at the appearance, such as whether there are scratches and bumps on the car body, and whether the car paint is uneven in color. Whether the brake disc is obviously rusted, whether the tire is bumped and scraped, etc. But generally speaking, these problems are rarely encountered in brand 4S stores. Just in case, you should take a closer look.

Sixth, if you can pay in full, you must not borrow money. The whole amount is worry-free and labor-saving. The loan is not only troublesome, but also faces various small "routines".