But what's the difference between full payment and loan? Be sure to understand, or you will suffer sooner or later.
Buying a car in full only requires four expenses: car price, purchase tax, insurance and licensing. The price is relatively transparent, you don't need to make a mortgage after buying a car, and you can transfer the ownership flexibly at any time. Generally speaking, consumers with a budget of about 654.38+0.5 million choose to buy a car in full, but consumers with a budget of 300,000-400,000 will still choose to borrow money to buy a car, hoping to spend some money on other investment and financial management.
Moreover, it is really a good choice to buy a car with limited funds, especially a car that can enjoy interest-free loans. It is worth noting that before buying a car with a loan, you should plan your income and monthly repayment, and you should not blindly follow.
In addition, the loan to buy a car will cost more than the full amount, such as handling fee, service fee, delivery fee, GPS fee, PDI detection fee, etc. Generally speaking, it will cost more than 6.5438+0 million yuan. Moreover, the vehicle grade certificate of the car bought by the loan is mortgaged, so when trading used cars, you must pay off the loan before you can sell the car.
Generally speaking, if you encounter the interest-free loan model, there are not many charging items. Compared with the full amount, there is only a difference of about 3,000, so you can choose to buy a car with a loan. However, if you feel that you are financially rich and want to save trouble, of course, it will be better to buy a car in full.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.