First, choose a car.

What car should I buy after I have the idea of buying a car? How much is this car? I know the numbers in my head. The following are the basic steps of car selection strategy:

The first step in choosing a car: buying a car budget

Confirmed prices: 55000-100000-150000, 150000-200000, 200000-300000, 300000-500000 or more.

Step 2: Determine the purpose and style of the vehicle.

Choose a car /SUV/ sports car /SUV/MPV/ commercial vehicle/mini-car.

1.SUV-broad vision and full of momentum. There are off-road vehicles and non-off-road vehicles

2. Sports car-eye-catching when driving on the road, suitable for personal use.

3. RV- a car designed for outdoor family use.

4. MPV-vacant rooms are large, suitable for carrying goods, and often carry many people.

5. Commercial vehicle-a space suitable for receiving vehicles and accommodating many people.

6. Minicars-Suitable for personal transportation, cheap and convenient for parking.

According to personal use, you can choose different car models. Of course, more commonly, we choose ordinary family cars. After the model is determined, we can choose a large number of brands of cars online according to the budget.

Choose a car or a hatchback?

There are more suitcases in cars than hatchbacks. Generally speaking, the trunk of a car will be larger than that of a hatchback, but a hatchback can get much larger cargo space than a car. A hatchback can easily hold a 29-inch TV, but a car can't. Half hatchback combines the advantages of hatchback and car. But the sealing performance is not as good as that of cars. Choosing a car is the key to choosing a car, and it also depends on personal preferences.

Half of the models that can be selected in the package price range of 654.38+10,000 yuan are cars, and most of the hatchbacks come from classic hatchbacks of joint venture brands. This series has a best-selling record, and the products have entered a mature stage. However, the owners of this price segment are mainly low-profile models of their own brands, and the series models are relatively young.

Is there a big price difference between a car and a hatchback?

No, cars and hatchbacks are basically purely a matter of personal preference, and there will be no special difference in price.

The third step of car selection: new car, mature model and used car.

According to the above two steps, we can probably filter out some ranges. Nowadays, the production speed of cars is extremely fast. Should I choose the latest model or the mature model? Used cars are another consideration.

Generally speaking, because the latest model has not been verified by the market, there are probably some shortcomings and defects (car recall system). At the same time, car dealers have also grasped the psychology of consumers who like the new and hate the old, and always like to say how to do it well when launching new models. Actually, testing takes time.

Of course, mature models are a very good choice market, and maintenance parts are also very easy to find. Since it has been out for several years, the parts will not be very expensive. If there are people who are familiar with the automobile market, it is also a good choice to choose a good used car.

The fourth step of car selection: the choice of car brand

There is no need to elaborate on the specific brand. If friends have cars, let's listen to their views on car use. Let's talk about the characteristics of cars produced by various automobile systems.

Japanese cars: fuel-efficient and economical, but the power and quality are a bit poor. They are exquisite in workmanship, cheaper in price, usually with smaller engine displacement, and their appearance is more suitable for China people's aesthetics.

German cars: good quality, good power and excellent technology, but they are more expensive and worth the money. Simple appearance and high price.

American cars: strong power, low fuel consumption, good quality, rough and unrestrained appearance, large space is an advantage, and more attention is paid to safety.

European cars: French, Italian, British and other models make people feel passionate and pay attention to safety in design and driving.

Korean cars: close to Japanese cars, the quality is ok, the price is relatively cheap, but there are too many highlights.

Domestic brands: many brands, low prices, diverse styles, frequent plagiarism and low security. With the development of automobile technology, the quality of independent brands has been greatly improved. Although not as good as Germany, the price and quality have a high personality ratio.

The fifth step of car selection: driving performance, manual transmission or automatic transmission

The same car has different models and models, and different models have different internal configurations, some are manual gears and some are automatic gears. So the price will be different. Automatic gearbox is a little more expensive than manual gearbox. Generally speaking, there are two types of automobile transmissions, namely, manual transmission (MT), automatic transmission (AT), automatic transmission (AMT), automatic manual transmission and CVT. In addition to the cheaper cost of buying a car, the manual gear hardly needs much maintenance cost, but the automatic gear.

The sixth step of car selection: safety considerations

In terms of security, we can divide it into active security and passive security. People often hear words like "abdominal muscles, electric submersible pump". This is the abbreviation of anti-lock braking system and dynamic stability system, as well as braking force auxiliary system, braking force sensing load distribution system and anti-glare rearview mirror. These are typical active safety devices, that is, taking some measures to avoid accidents before they happen. In addition, the high-efficiency braking system, good mechanical response ability and good lighting system of the anti-skid pedal can be summarized as active safety equipment. These devices can improve the active safety performance of driving from different aspects.

Airbag, foldable steering column, safety belt, collision energy absorption area, etc. , are passive safety devices, that is, after an accident, reduce or avoid the damage caused by the accident. Various safety devices have been widely used in domestic models. At present, small cars are equipped with three-point seat belts, safety glasses and other devices, and most domestic cars are equipped with ABS and airbags.

The seventh step of car selection: consider the cost of car maintenance.

This includes considering fuel consumption, maintenance costs, parts prices, etc. After buying a car, it will take a long time to calculate the cost of all expenses. It is more cost-effective to buy a car at low cost. Of course, you can also reduce the cost of car maintenance through driving habits.

The eighth step of car selection: the rate of preservation

At present, the price of automobile market fluctuates frequently, and the value of automobile depreciates rapidly. When you buy a new car, you must first estimate the hedge ratio to avoid losing money when you sell it later. Buying a car for the first time, try to buy mature brand products, and it is unlikely to stop production in the short term. Because of the perfect after-sales service network, there are many cars and the vehicle maintenance rate is relatively high. There will be a good price to sell after three to five years, and what car is the most valuable. Let's see what you choose.

The ninth step of car selection: displacement and power

Why are the displacement and power in the back position? At present, there is basically no problem with automobile power. Usually, when choosing the first use, you can basically determine the approximate displacement and power.

Step 10 of car selection: personal comfort

Having said that, let's see if the configuration of the car suits us. Let's go to 4S for test drive, test drive and experience the comfort of driving and riding.

The above ten events about car selection can be found quickly on the Internet. Let's choose and look for it slowly and easily. After determining the best model, listen to other people's car experience, and finally go to the 4S shop for a good test drive.

Second, check the in-store inquiry and evaluate the existing cars in the store.

Of course, when choosing a good car, you should ask the price clearly, because the sales strategy and marketing cost of automobile manufacturers all over the country are different. Therefore, prices in some areas are relatively high (such as some second-and third-tier counties and cities), and prices in some areas are relatively low (such as Shanghai and Beijing). Therefore, it is best for consumers to know the telephone numbers of all 4s shops in the area before going to the dealer's 4S shop to see the car. Then call one by one and ask, and then decide which car to look at. When buying a car, you should shop around three or four stores and visit the national 4S stores of various car brands.

The act of asking for a price is not necessarily when you buy it. When you test drive, you should ask in detail whether there are any preferential activities in the near future, price range and so on.

In general, the Golden Week in May 1 1 is the best time to promote cars. Therefore, the price may be more favorable at this time, and patient consumers have to wait for the actual discount before taking it out. In May 1 1, the price reduction was also relatively large. The price concessions in other time periods are not very big, but manufacturers are constantly adjusting the prices of related models. Dealers are also launching a series of promotional activities, and buying cars in other time periods will still get benefits.

In short, it is right to buy a car at any time, because you enjoy the happiness of having a car.

Of course, if you choose several intentional models, you should also go and see the real car yourself. I suggest you buy a car in a 4S shop authorized by the manufacturer. Because there, you can not only witness your favorite car with your own eyes, but also look at the appearance and interior and listen to the introduction of professional salesmen. Bring your driver's license so that you can fully understand your car. Now most dealers provide test drive service, which can let you experience the power and comfort of the car. Get close to the car and see if it is similar to what you expect in your heart. This is the key reference for your choice.

In addition, in addition to looking at the cars in the 4S shop, it is also necessary to evaluate the software and hardware service facilities of the after-sales service of the 4S shop.

Third, determine the payment method of the car model.

If everything is ready for you, you can find a suitable dealer to buy a car, and then it is a question of payment. Pay attention to the following questions when buying a car.

(1) payment method

Cash is relatively simple, all you need is your ID card and the purchase price.

You must apply for a loan first, and the total down payment = down payment+insurance premium+license fee.

It should be noted that the general down payment amount shall not be less than 40% of the car price, the loan amount shall not exceed 60% of the car price, and the longest term of private car loan shall not exceed 5 years.

General process:

Consulting → Deciding to buy → Preparing materials! Fill in the form → submit materials → preliminary examination → report to the bank for approval → pay down payment → choose a car → sign a car purchase contract → pick up the car → go through relevant formalities → drive home → repay the car on a monthly basis.

Relevant provisions on handling personal car loans:

At the same time, the bank will also review your situation when giving you a loan. If the loan is approved, it will take about a week to process. After you get the loan, you can go to the dealer to buy your own car. Except for the loan link, the whole purchase process is the same as the loan purchase.

(2) Deposits and deposits

If the dealer of the model you bought has an existing car, you can drive away after all the formalities are completed. However, if some dealers of tight models do not have existing cars, they often need to make an appointment. Usually, they need to sign a letter of intent with the dealer and pay a certain deposit (or deposit), depending on the model and dealer. Then the dealer will book the car model from the car manufacturer, and arrange the delivery time according to the car number of the consumer, which can reach several days, months or even longer depending on the car model.

If the dealer can't deliver the car according to the time agreed in the contract for various reasons, he can ask the dealer to double the deposit. After the car arrives, you need to pay off all the remaining money before picking up the car.

Matters needing attention in buying a car deposit and deposit are two completely different concepts:

If you pay a deposit when you sign a letter of intent to buy a car with the dealer, it means that the car you ordered will not be replaced or returned, because the manufacturer uses the real-name registration system registered car purchase system for order management, and it is stipulated that only one car can be used. Unless you make up your mind to buy this car, you can't change the name of the buyer. If you are still hesitant and have other options, then you must not pay the deposit.

Margin: the margin is of a guarantee nature. When one party breaches the contract, if both parties have an agreement, it shall be implemented according to the agreement; If there is no agreement, when the operator breaches the contract, double the consumer deposit will be returned; When the consumer defaults, the deposit will not be refunded.

If you are still hesitant to choose a car model, I suggest you pay a part of the deposit first. In order to prevent you from buying a car due to other problems in the process of car reservation, you should include the supplementary agreement in the contract in writing. The more detailed the better, the less unnecessary trouble.

Deposit: At present, there is no clear stipulation in the law, which can generally be understood as advance payment. When one party breaches the contract, if both parties have an agreement, it shall be implemented according to the agreement; If there is no agreement, the operator will refund unconditionally in case of breach of contract, and consumers can negotiate to ask the operator to refund in case of breach of contract.

(3) Insurance

At present, there are many insurance companies. For you, there are many choices, and the insurance coverage of each insurance company is also very different. How can I choose the car insurance that suits me?

First of all, consider a company with good service and quick settlement that meets your actual needs. It is recommended not to blindly pursue low prices. Low prices may mean that your services and basic insurance coverage will be reduced. The choice of insurance depends on your personal situation, whether you are a novice, driving habits, whether the vehicle is safely stored, how many people are in the car, how the local road conditions are and so on. In short, you must choose the company and insurance that suits you, so that your money can be spent on the cutting edge and reduce future troubles. (4) Business verification of invoices

If it is verified by the industrial and commercial department, there must be a unified invoice for motor vehicles or the fourth copy of the allocation form, and then a verification stamp shall be affixed to the invoice. Imported cars also need to submit customs import certificates and import and export inspection and quarantine certificates provided by dealers. If you buy a confiscated car, you need to provide a confiscation certificate from the customs.

(5) Pay the purchase surcharge.

To buy a new car, you must go to the vehicle purchase surcharge collection management office to pay the purchase surcharge. The calculation method is the network car price ÷ 1 1.7.

(6) Pay travel tax.

Car owners must pay travel tax when handling compulsory insurance, otherwise the insurance company will refuse to pay compulsory insurance, and the specific collection standard will be determined by the provincial tax authorities.

Required documents: car purchase invoice, driving license.

Tax payment time: within one month after registration.

Tax payment place: local tax authorities in all districts and counties, and each vehicle pays tax in 200 yuan annually.

Million car purchase subsidy