Buying a car is an important event for many people, especially in rural areas. Many areas also have unique ways to celebrate, such as setting off firecrackers and treating people to dinner, which shows the importance of cars to people's lives. Of course, when buying a car, everyone must be rational, that is, we must do what we can. If it goes beyond what we can bear, it will undoubtedly increase the burden of life. For example, some people have less than 1, spare money in hand to save face, and their fixed monthly income is several thousand yuan.
at this time, it is a good choice to buy a compact family car of more than 1, yuan, which will hardly affect daily life. However, if the owner gritted his teeth and bought a mid-level car with a loan of more than 2, yuan, such as Toyota Camry and Volkswagen Passat, it would obviously have a serious impact on daily life. Not only that, there are a lot of tricks in buying a car by loan, or many "traps" that car owners are not clear about. In fact, we can see from the sales of 4s shops that we always recommend loans to buy a car. Therefore, going to the 4s shop to pick up the car, these three "invisible" charging items, many car owners dare to speak out and find out.
the first "invisible" charging item is the financial service fee. In fact, the financial service fee is mainly for the loan to buy a car. If it is bought in full, there will naturally be no such project. Nowadays, people are becoming more and more active in buying cars. Sometimes, even if they don't have much money at hand, they will choose loans to buy cars, especially young people, who really don't have much savings when they just work. In fact, the interest on loans to buy a car is not too high, and many car companies have introduced interest-free policies for traffic police for 2-3 years, which seems to be very cost-effective. However, 4s stores are naturally not so accommodating, so they have added the so-called "financial service fee" for no reason, and it is still relatively large, usually around 5, yuan, and some places even charge 8, yuan, and this financial service fee is an "invisible" charging item, but many car owners are afraid to speak out.
the second "invisible" charging item is the outbound fee. Maybe many people don't care what the outbound fee is when they buy a car. The staff of the 4s shop will give them as much money as they say, especially some small fees. It seems that there are not many, but many a mickle makes a mickle, and the outbound fee is just like this. In fact, from the name point of view, the outbound fee is not the fee raised by the car from the 4s shop. Is there a charge? In this regard, the 4s shop explained that it is not that simple to leave the warehouse, and it is very important to go through PDI inspection before delivery. But in fact, the manufacturer has actually included the outbound fee in the car price, and the owner does not have to pay it himself. If the outbound fee is paid, it is obviously cheated.
the last "invisible" charging item is auto insurance. This is also very obvious. Many 4s stores even stipulate that car insurance must be applied in the store to pick up the car. This kind of bundled consumption obviously violates the consumer protection law, but many car owners can only dare to speak out. Especially for some popular models, 4s stores don't worry about selling them at all. Sales people also clearly stated that you can buy or not, but you must buy auto insurance in the store. However, in-store auto insurance is actually a very loss, and it is generally required to cover all risks. It is a complete waste to buy useless insurance such as burglary insurance and spontaneous combustion insurance. What do you think of this?
This article comes from the author of Chejia, car home, and does not represent car home's standpoint.