No matter how you choose, what suits you and what you can do is the most important thing.
But the question is, are those who borrow money to buy a car really because they don't have the money to pay the full amount to save face? Actually, it's not like this. There are many reasons for this. For example, there is a 6.5438+0.5 million joint venture SUV model in hand, with a down payment of 80,000 and a loan of 70,000, which will be repaid in three years and a monthly repayment of about 2,000 yuan. The remaining money on hand can also be used for financial management, and there is no pressure on personal wages to repay loans. Compared with the loan interest, I actually didn't spend a lot of money as I thought.
Nowadays, more and more models support interest-free loans, such as 18 months interest-free loans, such as two-year interest-free loans, and even three-year interest-free loans when some models are active, and the fees or other charging items are very small, and some even do not charge.
Therefore, many consumers feel that interest-free loans are more cost-effective after comparing costs. Even if they can afford to buy a car in full, many consumers often choose to borrow money to buy a car.
However, buying a car with a loan is not a trivial matter, and many details need to be understood.
1, go through the formalities and find a reason to raise the price.
When you are ready to pick up the car, all the formalities have been completed, and the car dealer requires the consumer to pay a certain amount of cash on the basis of the original car payment before picking up the car. The dealer will give many reasons, such as the price increase of the car during the full payment period, or the failure to complete some formalities within the specified time. Don't be fooled by them.
Some dealers cheat extra money by "stitching".
Remind you, before buying a car, you must choose and understand the formal auto sales and auto finance guarantee companies to handle automobile mortgage business, and get to know the reputation and strength of mortgage and sales companies on the spot through various channels.
Why? Because there are some "sewing" people wandering in the market at present, they have neither credit qualification nor car source, and they want to make a profit in this area, so they take consumers to a car dealer with credit qualification to handle some related matters of car installment payment procedures. However, dealers use the difficulty of loan procedures and the complexity of calculation methods to deliberately overcharge consumers and earn ill-gotten gains. In this way, "sewing" personnel can earn a net commission from consumers.
Some unscrupulous car dealers cheat consumers into signing blank contracts.
Now some car dealers take advantage of consumers' lack of legal knowledge to deceive consumers into signing blank contracts. Suppose that when the consumer goes to the dealer to go through the formalities of buying a car, the dealer verbally tells the consumer that he only needs to pay 25% down payment and only borrow 40 thousand yuan, provided that the consumer signs a blank contract. However, after the completion of consumer loan procedures, when consumers saw the credit contract, they found that the loan amount was different from the previously promised price.
At present, some dealers have introduced interest-free car loans to attract customers. The actual discount may not be as affordable as expected, because they will charge a certain handling fee while being interest-free. The cost of this procedure may be similar to the interest. When buying a car, you should carefully identify the actual situation. If the price of a new car is 200,000 yuan, the loan amount is half, and the handling fee is 5%, even if the interest is exempted, it needs to pay 5,000 yuan more than the full car purchase, which needs to be paid together with the down payment. If you buy an interest-free and fee-free model, it is relatively affordable.
4, can not enjoy other excellent.
Many stores can't enjoy other preferential policies in the store when they offer interest-free car loans. If they buy a car under favorable market conditions, the preferential strength of loan for car purchase will generally not be as obvious as when they buy it in full. In order to make up for the labor cost of the store when handling the loan car purchase process, you can't enjoy other preferential policies after choosing the loan car purchase.
5. Negotiate the termination agreement before handling the mortgage.
In the process of mortgage, car buyers may encounter the situation of refusing to issue loans or delaying allocation because of unsuccessful audit. In the agreement signed by the dealer, it is generally indicated whether the deposit will be refunded. When signing a contract, you must pay attention to the refund method, date, amount and other information.
6. Confirm the repayment time and amount.
Consumers need to confirm the repayment time and minimum repayment amount after determining whether the repayment method is equal principal and interest or average capital, so as to avoid increasing the repayment cost due to unsuccessful regular deduction. If the payment date exceeds three days, the corresponding financial institution will urge the owner to repay, and at this time, additional communication fees, interest and other funds will be generated. Low monthly payment seems to be cost-effective, but you should pay more attention.
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Now it has become the choice of more and more car owners to borrow money to buy a car, but we must pay attention to caution. Remember that you can't just sign it carelessly, and don't let the money unconsciously enter other people's pockets.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.