Every year from the graduation season to the beginning of spring, it is the peak season for the automobile market. There has always been a saying in the automobile sales circle that there are ten gold and nine silver. Among consumers who intend to buy cars, the post-90s and even post-95s generations have become the new main force. They like cars with more fashionable appearance, more power, and a stronger sense of technology. Space and size are no longer hard indicators. Even if there are 200,000 The above budgets do not shy away from independent brands. They will carefully screen for effective information among various automotive media and compare the preferential policies of various 4S stores. The new generation of car owners seems to be more rational and objective than ever before.

But in fact, many young people around me seem to blindly follow the trend when buying cars. They are young and energetic and don’t care about leaving a way out for survival. They dare to buy cars if they have 50,000 yuan in hand. They are among the prospective users who want to buy a car worth RMB 300,000 with a 10% down payment. However, as an experienced driver who is about to turn 40, I would like to pour cold water on those young car owners who want to take out a loan to buy a car. These things must be considered clearly before buying a car, otherwise you will be the one who regrets it.

Benefits of buying a car with a loan

There is no doubt that buying a car with a loan can greatly reduce the pressure of down payment, and lowers the threshold for buying a car for young people with little savings. Even if you can buy a car in full, a loan can reduce the pressure on capital flow. It is even more cost-effective if you can get an interest-free policy for two or even three years.

Why do some people regret taking out a loan to buy a car?

According to the current mainstream down payment of 30%, a naked car costing RMB 300,000 can be driven away with only a down payment of about 120,000. According to the two-year loan repayment, the monthly loan repayment will be almost 9,000 yuan. For a person who has not started a family, if the monthly income reaches about 15,000 yuan and there is no mortgage loan, it is not too difficult to repay the loan. But there are still difficulties for families with children to raise. I have a buddy who bought a Mercedes-Benz C after his wife got pregnant. After buying the car, his wife stayed at home to raise the baby and received a basic salary of 1,000 yuan a month. The buddy works in engineering and earns almost 300,000 yuan a year, but 10 of the The project bonuses of more than RMB 10,000 are only paid out at the end of the year. I thought that after the baby was born, my wife would be less stressed when she went back to work, but due to various reasons, my wife quit her job after giving birth. She couldn't find a good job due to the epidemic, and she hadn't worked for almost a year. The Mercedes-Benz C was not driven a few times until it was sold in September because of its high fuel consumption.

Under what circumstances is it not recommended to buy a car with a loan?

Buying a car is not difficult for many people, but there are many hidden costs after buying a car, and first-time car buyers may not be able to think comprehensively. In addition to purchase taxes and down payment loans, annual insurance and maintenance fees are also not cheap. If a novice driver is not careful and scratches his car every three days, repairing the car will be a big expense. Therefore, I recommend living within your means and not taking out a loan to buy a car in the following situations: 1. Families facing changes in their living conditions, such as getting married or welcoming a new life, may have to reduce their income or have a large amount of extra living expenses. Loans Buying a car will greatly increase the burden. 2. For families with no savings, if they only have a deposit of 100,000 yuan and use it all as a down payment, even if they can repay the loan later, the risk resistance of 0 deposits is too low, and it is really not recommended. 3. Young people with unstable incomes. There are already many people born in the 1990s who earn more than 10,000 yuan a month. However, with the prosperity of emerging industries, there are more and more young people working as freelancers. Some friends are in a state where they can make money quickly, quit their job quickly, and have no fixed life. In this case, I do not recommend taking out a loan to buy a car.

In the final analysis, I personally am relatively conservative. I think it is a healthier consumption concept to spend less than 1/5 of the deposit to buy a car, or if the income is stable, the loan repayment amount should not exceed 50% of the income. %. The meaning of the existence of private cars is to make people's lives more convenient. If this convenience becomes too heavy a burden, the gain outweighs the loss.

This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.