In fact, in most people's minds, no matter what you buy, it is better to pay in one lump sum. When buying a car, everyone found that if the whole amount was paid, the price would rise by two or three thousand yuan. There will be such a phenomenon because the loan to buy a car must be fully insured, and it must be guaranteed at around 10,000 a year in a 4s shop. In most cases, cars with a price of100,000 yuan will be divided into three phases, so the income of this part of the 4s shop has already exceeded 30,000 yuan, and the licensing fees and various expenses to be handled in the later stage are all pocketed by the 4s shop, so it is not surprising to give customers discounts in stages.
In addition to this part of the expenses, the sales staff of 4S stores also said that we need to pay a certain amount of interest every month for repayment on schedule, and most branches have their own financial institutions, so this part of interest becomes their income. It is worth mentioning that the interest rate of 4s stores' own financial institutions is lower than that of our common banks or loan companies, which is really a good choice for car owners who can't afford that much money at the moment. However, this is not to suggest that everyone take out a loan to buy a car. Buying a car needs to be combined with actual conditions. If you just need a car and don't have much money on hand, you can consider taking out a loan to buy a car.
However, it is best to buy a used car in full, because the institutions that lend to used cars are common banks or loan companies, which not only have high interest rates, but also charge higher fees from the middle. Simply put, if you really have enough money on hand, you'd better choose the full amount, because the loan only saves a few thousand dollars at a time, and the full amount is more economical. If you plan to borrow money, try to choose a new car, because the second-hand loan has high interest rate and high handling fee, which is not cost-effective.