One reason is that customers only need to pay a short-term down payment when they borrow money to buy a car. The down payment may be only tens of thousands of dollars, and the rest can be paid back slowly later. This kind of operation will be much less stressful for customers than spending hundreds of thousands or even hundreds of thousands to buy a full car. When the pressure on customers is less, the natural desire and purchasing power will gradually rise. Subsequently, the sales performance of 4S stores also became prosperous. When the performance is good, employees in 4S stores will naturally get a lot of bonuses and benefits to encourage customers to borrow money to buy cars. Why not?

Another reason is that customers can actually get loan fees when they borrow money to buy a car. The less the down payment, the larger the loan amount, and the more procedures they can get, so they naturally encourage you to borrow money to buy a car. The less the down payment, the greater the loan amount, and the happier they will be.

However, whether the 4s shop encourages you to borrow money to buy a car depends on your actual situation. If you don't have much cash flow,

I am eager to buy a car. In order to relieve the pressure of cash flow, I can consider buying a car with a loan. After all, just like buying a house with a loan, down payment is more and more popular. Buy early and enjoy early. Money, you can earn it slowly and then pay it back slowly. As long as you have a stable cash flow income, you don't have to worry about default. It's not a big problem.

Of course, if you have sufficient cash flow and your ability in Qian Shengqian is less than your loan interest, you can choose to buy it in full. After all, the car loan interest rate seems quite expensive (definitely higher than the provident fund loan interest rate anyway). In this case, you have to pay a lot of interest to borrow the car. However, if your ability in Qian Shengqian is greater than your loan interest, you can also choose to borrow money to buy a car. After all, you can cover your loan interest and have a surplus with the income from the investment and financial management of the last payment. Why not? This money will not be earned for nothing.