Although the loan car has a large surface discount, the cost is higher than that of the full car. First of all, there is a handling fee for the loan to buy a car. If there are more high-end cars, the handling fee will be charged according to the loan amount, ranging from 2,000 to tens of thousands. Merchants will promote two-year interest-free or three-year low-interest loan business. Secondly, buying a car with a loan requires buying insurance in a shop in 4S during the loan period. If you buy it outside, it will be at least 30% cheaper than in a 4S store. Therefore, for a100000 family car, the total insurance for two years can reach at least 3000 yuan. Third, the loan car should be installed and positioned at a price of 2,000-3,000 yuan. In fact, if you buy it online, it will be the most worthwhile in 500 yuan. Fourth, green capital should be charged for car loans, and the management fee is 20 yuan every month and 480 yuan for two years. After changing the loan, you must go to the designated vehicle registration office to cancel the mortgage when you get the green copy, and the fee is 50 yuan. And, of course, 500 yuan's outbound charges and so on. There are still two days to postpone.
Buying a car in full is actually more cost-effective, because if you buy a car in full, you don't have to pay extra interest.
If it is a loan to buy a car, because we have to pay 30% down payment, if it is a car of 6.5438+10,000 yuan, then we have to pay 30,000 yuan, plus other things, such as insurance and purchase tax, it will cost 50,000 yuan and 60,000 yuan. So if this is calculated, the down payment, plus 7788 yuan, and finally the interest paid every month, is more expensive than buying a car in full 1 10,000 to 20,000 yuan.
If it is a more expensive car, then you have to pay more interest, so if economic conditions permit, I still think it will save money to buy a car in full.
But from another point of view, if you borrow money to buy a car, it can resist certain risks, because money will inflate.
You can drive away if you buy a car in full. You can recite the big green book without GPS positioning. There is no limit. The biggest thing is that you don't have to pay back the money. You need to borrow money to buy a car. First, you need to cancel the monthly payment, and you need to pay extra fees. Fortunately, there is no repayment fee for short-term loans. If it takes a long time, you will have to pay a certain percentage of the fee. Most of the big green books are temporarily detained. There is a time limit and GPS will be added to you.