It depends on whether the individual chooses full payment or installment payment. The following is the comparison between the two: 1. Benefits of full payment: The biggest advantage of full payment by installment is that you don't have to consider the cost and interest of any loan. Judging from the accounting data, it is always the most worry-free, money-saving and trouble-free. The satisfaction of psychological possessiveness is great, and it is difficult to realize installment payment. Vehicle freedom. If you find that you don't like it or have a new model that you like more soon after driving, you can buy and sell replacement vehicles more flexibly and freely even if it is only half a year. 2. Disadvantages of the full payment: the one-time economic pressure is relatively large, and the money directly enters the depreciation period. To sum up, it can be concluded that buying a car in full is suitable for those with strong purpose and sufficient budget. How much money are you prepared to buy a car at what price is more free and worry-free, and you won't worry about not getting a car loan. 3, the advantages of staging: the limitations of buying a car are small. If you want to buy a better car, you can give more money every month. Spend in advance and invest the remaining budget in other places, which is more flexible. If each installment is repaid on time, the credit card credibility can be continuously improved, and it will be more convenient to lend other funds in the future. Under the background of negative interest rate, the value of money is shrinking every day. The value of 2000 yuan three years ago is completely different from that of 2000 yuan three years later. So in a sense, the later the installment payment is, the less valuable the money is, and the more profitable it is compared with the full payment. ?