1, from the perspective of complexity, it is difficult to get a loan. Loans are divided into credit loans and mortgage loans. Generally, banks rarely give personal credit loans, unless your work unit is very good, your income is very high, you are close to the bank, or you have a place to find a relationship and get it from the bank. Mortgage loans are relatively simple, usually real estate mortgages. That is to say, if you want to take a house and a building to the bank for mortgage, you must first evaluate the value of the house. Mortgage is simple. When buying a car, the 4S shop can help you, so in terms of formalities, the loan procedure is more troublesome than the mortgage.
2. In terms of interest, the two kinds of interest rates are actually similar, because you can't enjoy the downward interest, and you usually calculate the interest according to the bank's benchmark interest rate. Therefore, in the case of equal repayment, the interest is basically the same; However, the loan can be repaid in a decreasing way. In this case, the principal is decreasing month by month, so the total interest expenditure will be less, but the monthly repayment amount of this loan method is relatively high in the first few months or even a year.
3. From the perspective of capital flow, the mortgage needs to pay 20%-50% of the car price first, and then repay it monthly. If you have a mortgage, you can lend the car money in full, and the repayment period is longer. Therefore, if money is tight, from the perspective of cash flow, loans are better than mortgages.
4. Monthly payment: According to the car price of 6,543.8+10,000 yuan, the mortgage payment is 30%, and 30,000 yuan is paid when buying a car. According to the normal mortgage time of 3 years, the monthly repayment amount is almost 2700 yuan. However, some banks can now handle some credit card purchases, and the designated models can be purchased in installments without interest, but the installment period is relatively short, generally 654.38+0-2 years. If it is a five-year loan with equal repayment of 6,543,800 yuan, the monthly repayment amount is about 654.38+ 0.950-2,000 yuan.
Having said that, in fact, installment and loan have their own advantages. How to suit you depends on your own actual situation, hehe.