A friend of mine, Xiao Li, recently borrowed money to buy a car, and now he regrets it only after a few months of repayment. He feels a lot of pressure. His friend bought a Honda Accord and he bought a 20 18 Honda Accord 260 Elite Edition. The guide price of this car is 189800. At that time, the bare car price given to him by the 4S shop was 176800. 70% loan (1 17900), plus purchase tax 15646, insurance 6754, travel tax 420, licensing 1000, loan cost 4500, GPS installation fee 1800.
My friend Xiao Li used to work in the company, and his income was relatively stable, with a monthly salary of 8,000 yuan, which was barely at the middle level in our third-tier cities. My friend just had a deposit of 654.38 million yuan in his hand last year. He used to drive a second-hand Fit. Although there is no big problem, I can't stand seeing the new Accord, and I am attracted by its appearance. To tell the truth, the appearance of the Accord is really in line with the tastes of young people, and I personally feel very beautiful. Xiao Li calculated that the down payment pressure on buying the Accord was not great, so he decided to buy a car, but after driving for several months, he said that the pressure was great.
Although the quality of the Accord car is relatively stable and there are not many minor faults, it is a B-class car after all, and the cost of using the car is relatively high. Because my friends commute nearly 50 kilometers to work, they commute to work every day, one month 1500 kilometers. According to the Accord, the fuel consumption per 100 kilometers is about 7.6L, and the monthly fuel cost is 886 yuan.
Parking fee in 500 yuan every month, plus daily irregular car washing, 50 yuan every month. Together with daily expenses such as maintenance, it costs Xiao Li about 1500 yuan to maintain a car every month.
Before, because Xiao Li was single, the monthly living expenses were around 2,000 yuan. But recently, after buying a car, she found a girlfriend and often went out to eat, which obviously increased her expenses. Basically, her monthly salary has been paid off, and the car loan and living expenses are almost the same. She is afraid of going to the hospital occasionally, but it is still not enough. Sometimes, she borrows money from her boss because she can't pay back the loan. Every month, she is under great pressure and loses a few pounds. Every time I talk about buying a car, Xiao Li is afraid to go to the hospital.
Generally speaking, Xiao Li's situation is not a case, even worse than Xiao Li's, and there are many people around him. Just like recently, due to the impact of the epidemic, many people delayed their work, their wages could not be paid in time, and many people around them were faced with the dilemma of not getting car loans. Therefore, young people must fully consider their own income when buying a car, and cannot reduce their quality of life because of impulse. This is also not worth the loss. What do you think of buying a car with a loan? Please leave a message for discussion.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.