I don't think it is necessary, because the car is just a means of transportation, and there is no need to borrow money to buy a car.
Many people would rather borrow money than buy a car. Why?
Many people would rather borrow money than buy a car. Why?
Nowadays, it is very fashionable to borrow money to buy a car, and most car 4S shops will strongly recommend borrowing money to buy a car for consumers. In order to better attract customers, it is immediately zero down payment, which is also very attractive.
Because I can get a car easily, the financial burden is not great at first, so I just need to repay the loan on time every month, so many people will choose to borrow money to buy a car now, but compared with many old wet machines, it is not cost-effective to borrow money to buy a car. The employees of the car 4S shop show that all those who bite their teeth and need to buy a car in full are smart people!
Why is it so popular to borrow money to buy a car, or why do some people want to buy a car in full? In fact, the reason is very simple. Because there are many procedures for buying a car by loan, the first thing to do is to apply for a loan, usually in a financial institution or other financial enterprises, and then repay the loan every month, so the service fee is not very low. Why do employees in auto 4S shop suggest that you borrow money to buy a car? Because of the high service fee, they will get a lot of money, so the trick is deep!
Secondly, during the repayment period, in fact, the car only gives you ownership, but the real ownership is still financial institutions and loan companies. Only when the loan is completed and the cancellation procedures are completed, the car is really yours. Buying a car with a loan is thousands of dollars more expensive than buying a house in full. Because of the service fee, it is likely that many people will feel a little less every month.
The work pressure is not great, but compared with ordinary wage earners, the quality of life needs to be reduced after repayment, so the burden of buying a car with a loan is not great, and car buyers will feel great pressure in the middle and late stages.
The above is my detailed introduction. I hope it will be helpful to everyone after reading it. If you have other comments, you can discuss them together in the message area below.
What are the conditions for buying a car with a loan?
Conditions for handling personal consumption car loans of China Bank:
1, a natural person who has reached the age of 18, has full capacity for civil conduct, holds valid identity documents meeting regulatory requirements and has a fixed detailed address;
2. China citizens with permanent residency in China, excluding Hong Kong, Macao and Taiwan;
3. Personal legal assets with sustained and stable legal income or sufficient to repay the loan principal and interest, and the ability and willingness to repay the loan principal and interest on schedule;
4. Personal credit status is good, and there is no bad credit record in BOC and its peers;
5. Being able to pay the down payment for car purchase that meets the requirements of laws, regulations, regulatory provisions and these Measures;
6. Provide effective guarantee recognized by the lender;
7. The purpose of the loan is clear and legal, and it can provide a car purchase contract, agreement or letter of intent recognized by the lender;
8. You need to open a deposit account with BOC before handling the loan;
9. If entrusted payment is adopted, the borrower shall provide effective counterparty account information, etc. To meet the conditions of independent payment, you need to submit personal account information;
10. Comply with laws, regulations, regulatory requirements and other conditions stipulated by the lender.
As there are differences in business in different regions, please consult the nearest China Bank outlet for details.
The above contents are for your reference. Please refer to the actual business regulations.
How to evaluate the behavior of many people who want to borrow money to buy a car and treat the car as a face?
In today's society, there are countless people who treat cars as faces. In my opinion, this kind of behavior is not optimistic, they are blinded by secular eyes. To put it bluntly, I just feel that having a car is great and superior, which is a psychological comfort. In fact, really rich people never show off these things. People who want to borrow money to buy a car have long hair and short knowledge. The more they lack, the more they want to show off.
Many people around me have to borrow money to buy a car in order to reduce their quality of life. In my opinion, people this month have low IQ and low EQ. Such people just let others see and think that others care about you. I also like to compare my life with others, my house, my car, my children's academic performance, and even when I eat and drink Lazar. Such people will not grow up even if they buy a car. It is actually the stupidest behavior to pursue the pace of life of others all the time.
In fact, I think it is enough for ordinary people to buy a car with a price of 65,438+10,000. Just a way of walking. You don't have to compare luxury cars with others. As long as you work hard for a year, you can save money for buying a car. It is really unnecessary to lower your quality of life and get a loan to buy a car. Besides, you have to pay high interest. You don't want to eat, wear or go out to see the world every month, just because there is no room for appreciation.
Cars are foreign objects. I hope everyone will not be influenced by the outside world. If you really have money, of course, you can buy it at will. If you have no money and can't afford a car, then slow down your satisfaction first. As for the car, I think you can wait until you have saved enough money to buy it. Keeping a car is equivalent to raising a son. If you don't even have the money to buy a car, what can you buy to keep a car? So, whatever you buy,