First of all, neglected cars have depreciated!

We all know that the annual depreciation rate of new cars is around 20%. As you can imagine, if you put 6,543,800 yuan into buying a car, in fact, you only have 80,000 yuan a year later. How can you bear to let the hard-earned money evaporate 20 thousand yuan invisibly?

Second, neglected inflation!

The CPI of the National Bureau of Statistics rose by 2.6% in 20 12. Secondly, according to official data, residents and businessmen are more willing to believe that house prices have increased by 8%- 10% in the last two years. That is to say, 65,438+000 yuan from 2065,438+04 to 2065,438+05 may only be worth 90 yuan money. Today's 100 yuan debt is paid in installments?

Let's calculate that if 6.5438+0.09 million yuan is invested in a new car, the actual value after one year is only 6.5438+0.8 million x 80% x 0.9 = 7.2 72,000. New car investment loses 28,000 yuan every year! 、

Benefits: the expected rate of return is higher,

Most of you are businessmen, and you know better than anyone that doing business must rely on the efforts and funds of others. -integrating resources. Yes, the annual interest rate of car loan is between 6.5% and 7% (if calculated by interest rate, some car owners even think it is between 3% and 4%).

Please think:

Whether the rate of return on making money is much higher than the car loan interest rate;

As a businessman, you are responsible for publishing. Business income is mostly 30%-50% or even higher, but compared with the annualized interest rate of 6.5%-7.5% for car loans, this is not the cost. If it is a subsidy from a car manufacturer, the annualized rate will be lower!

Advantages: car loan is the most convenient and lowest-cost way to obtain funds;

Due to the uncertainty of future funds, there are several ways to solve the funding problem if there is a funding gap.

1) Borrow from a friend:

As a businessman, everyone knows this truth. Borrowing money from friends has only two consequences:

He lent me money: I asked, yes, he would, but even if he borrowed money, he would feel uncomfortable, fearing that I could do nothing, and his friends would feel uncomfortable.

He won't lend me the money: I have already said so. He won't be happy if he doesn't lend it to himself, and he will be embarrassed to see him. In short, no matter what the result is, everyone is unhappy. Why should I talk?

2) Private loan usury: At present, the monthly interest rate of high-interest loans in the market is 2-5 points (generally with collateral, if there is no collateral, it will exceed 5 points), and the interest will be deducted first when "lending". For example, if you borrow 65438+ 10,000 yuan, if the monthly interest rate is 5 points, then "borrowing" means giving 85,000 yuan directly, and if you borrow 1 year, the interest is ... I don't think I need it.

3) Mortgage loan (individual) Personal mortgage loan, generally mortgaged by real estate: the real estate of ordinary customers is a loan. When buying a house, the house is mortgaged to the bank. If you mortgage at this time, there is no way;

In addition, the main housing authority is expensive and generally takes 1-2 weeks; The most time-consuming problem is waiting for the bank quota. Generally speaking, one month is short and two months is normal.

4) Mortgage loan (corporate loan): Generally, corporate loans need to be mortgaged or pledged. Compared with personal mortgage loan:

(1) The main body is the enterprise, the risk is higher than that of the individual, and all the thresholds are higher.

(2) SMEs are not eligible for loans at all.

③ The general minimum loan amount is 3 million.

The shortest time for the whole process is 3 months, and it is very lucky to get a loan within 6 months.

Credit loan is a loan directly based on personal credit rating;

The daily interest rate of a credit card is five ten thousandths. If only the minimum repayment amount is paid, it is equivalent to 1.5% per month (five ten thousandths *30= 1.5%) and 18% per year.

6) Car loan: Why do it now?

Benefits: Accumulate credit wealth.

Some people think that not lending or overdue is the best credit record. In fact, I have a loan record in the bank, which is Liang's loan record and the best credit record. For example, are you willing to lend money to a friend who doesn't know whether you are trustworthy or someone who has a bank loan record and pays back the money on time?

Million car purchase subsidy