1 and 4S stores can get the difference between buying a car, which means the profit of the car itself. For some cars that are not very popular, it may even be that 4S stores can't even make the difference in the middle. Only through insurance and post-maintenance can we make some profits. Therefore, if you buy a car in full, the profit that 4S stores can earn is relatively thin, but buying a car with a loan is different.
2. First of all, you will have a loan service fee, and all the stakeholders of this service fee will share a piece of it. Secondly, many 4S stores will charge GPS fees. Although you have this car, it doesn't belong to you. Therefore, 4S stores will install GPs for you for various reasons. In addition, there is an insurance big head. In the past few years, insurance will be bound to your 4S store.
3, when we maintain, if we buy a car in full. The warranty may be over, or even there is no warranty. Some friends may go outside for maintenance instead of going to a 4S shop for maintenance. But if you buy a car with a loan, it will be more difficult for you to go outside for maintenance. The sales staff of the 4S shop will let you go to the 4S shop for maintenance for various reasons. So to sum up, from the profit of 4S stores, buying a car by loan is much more profitable than buying a car in full.
The benefits of buying a car with a loan
The biggest advantage of buying a car with a loan is to realize your dream ahead of time. You can buy your favorite car when the economic conditions are not enough. Compared with waiting for the full amount of money to buy a car, buying a car with a loan can make you enjoy driving in advance. Buy early and enjoy early.
Buying a car with a loan can prevent depreciation, because the bank has already paid you back, and you only need to pay back the fixed amount of the bank. Cars are consumables, which will depreciate as long as they drive to the door of the manufacturer. The depreciation rate of new cars is about 20% a year, and now prices are rising. As you can imagine, doing business saves more than 30% or even more, which is more cost-effective than the repayment rate of car loans.