Recently, a friend around me likes to mention Nissan Teana, has always opposed the loan to buy a car, and finally chose a loan. This surprised me. Although the loan to buy a car can solve the urgent need at that time, it is easy to cause impulsive consumption, which makes the repayment pressure in the later period huge. And the loan to buy a car has to pay the corresponding handling fee and interest. This friend always thinks that he can buy as many cars as he has money. It is normal to borrow money to buy a house, because the house is a major event in China people's life. Compared with buying a car, it seems insignificant, and the cost of buying a house with a loan seems to be higher.

However, I went with the mentality of buying a car in full. Finally, after a period of brainwashing, I think it seems more cost-effective to borrow money to buy a car. In fact, buying a car by loan is indeed much more expensive than buying a car in full. He calculated carefully and overpaid about 6000 yuan. So he ran over and asked me if I was trapped. Have you ever been cheated? Let's analyze this friend's car list first.

This friend finally started the version of Teana 2.0 Zhixing, with a discount of 27,000 yuan, but the price of the white car increased by 2,000 yuan, and the actual price was174,800 yuan. Then the sales listed three loan methods. The first is an interest-free loan of 80,000 yuan, which will be paid off in three years. The second method is an interest-free loan of 80,000 yuan and an interest-bearing loan of 20,000 yuan, totaling 654.38 million yuan, which will be paid off in three years. The third loan is an interest-free loan 1 10000, but it must be paid off in two years. Of the three loan methods, the first two are about 3,000 yuan, and the third is a little more than 3,000 yuan because of the large loan amount. But if you apply for sales again, you should get 3300 yuan.

In addition, anti-theft insurance must be purchased, and brand 800 yuan must be put on the shelves. Seeing such loan details, he has been pursuing a full car purchase, but he has actually begun to feel a little excited. A three-year loan of more than 84,000 yuan shows that it is acceptable. However, considering borrowing more, the fees are the same anyway, and I want to choose the latter two. Finally, considering the pressure of monthly supply for two years, the second loan method is chosen as a compromise.

The car loan discount is 27,000, and the whole car discount is only 26,000. The loan fee is 3,000 yuan, which is more expensive in 500 yuan, and the license fee is more expensive in 500 yuan. The loan interest is 3,000 yuan. A * * * 7000 yuan is expensive, and the car loan discount is 1000 yuan, so the actual loan to buy a car is 6000 yuan. Now this friend has just paid back the loan for two months, and he feels that he has to pay it back every month. Does he think it's a loss to buy a car with a loan?

In fact, personally, whether the loan is suitable for buying a car depends entirely on your total landing price. Buying a 200,000 car, the loan amount is 654.38+10,000, and the total loan cost is less than 654.38+10,000, which is actually quite normal. Although the various handling fees are unclear, they have basically become the hidden rules of the industry. I can't help it if I don't repay the loan.

For people who are conservative and pursue safety, they have enough money to buy a car without making a particularly big investment. Such people actually suggest that you buy a car in full, light and debt-free, and enjoy it after buying a car. If you save the loan money to buy a car, you can use it to do business or invest to earn more profits, or you need some liquidity for work reasons. In this case, it is definitely more cost-effective to borrow money to buy a car. But be sure to figure out the difference between buying a car with a loan and buying a car in full. It is normal for each loan to be more than 1 00000 and less than10000. Of course, the lower the comprehensive interest rate, the better. You can shop around when choosing a loan. At this time, the price of naked cars is not important, and the landing price is the most valuable key.

The above is Pony's personal opinion, I hope I can help you. You are also welcome to comment below, saying that 65438+ 10,000 will buy 200,000 car loans. How much more expensive is the loan you can accept than the full amount?

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