Whether it's a loan to buy a car or a full car, the two are just different payment methods. The key is to see whether other handling fees generated in the process of buying a car are reasonable and whether there will be disguised charges. As long as you are sure that there is no disguised handling fee, then both the full amount and the loan can be used.

First of all, the prices generated by different bosses in different regions will be different, just like when you go shopping, the prices are also different. However, there are so many 4S stores in China, and we can't generalize. Each of us talks about different prices and discounts when we go to 4S stores. Some people will bargain, others will not, so there is a gap in the result, that's for sure.

The advantages and disadvantages of full payment and loan are listed as follows. You can choose according to your own situation.

First, the advantages and disadvantages of full payment

(A) Advantages

1, the total land price in most areas is less than the total loan price. Of course, some car companies will have loan prices lower than the full price for sales volume and inventory rate, but there are not many, so there is no need to entangle;

2. If there are no miscellaneous expenses such as loan fees, GPS fees, compulsory insurance, etc., you only need to spend a bare car price to buy purchase tax, insurance and license (if you don't earn, you can't argue);

3. If you can get all the documents, you don't need to get green copies and other documents at the back;

4. Car enterprise finance does not need to pay extra interest fees (except interest-free);

5. After getting the Green Paper, you can get the Green Paper loan.

6. In theory, it will make the sales or bosses of 4S stores earn less money (I don't know if this is an advantage).

(2) Disadvantages

1, the whole car price is at least tens of thousands, and the better one is hundreds of thousands. Ordinary families can't get so much money at a time, which is difficult to achieve;

Many people say that you don't have to pay the full amount, but you can use the rest of the money to make money. Actually, this is a false proposition. As long as you can make money, you can borrow money with a green paper. The key is interest rate.

Second, the advantages and disadvantages of loans

(A) Advantages

1, which can make people who are not well off realize their dream of driving ahead of time;

2. It can reduce the additional losses caused by currency depreciation, especially interest-free loans;

3. For those who can only choose financial loans, it can better realize the rational use of funds;

4. The delivery may exceed the full amount.

(2) Disadvantages

1, if you choose a loan, the handling fee is too chaotic, and now the situation of arbitrary charges is widespread;

2, the pressure is great, and regular repayment every month has a great influence on many people who are not rich;

3, the same car, including interest rates and handling fees. , the loan is more than the full amount (varies from place to place);

4, compulsory insurance must be paid in one year, and the insurance cost is much higher than that bought outside (if you buy insurance in full, you can only blame yourself for your poor ability);

Three. interest-free loan

Let me explain here that interest-free loans have no interest. Interest-free loans are generally divided into two types. In one case, manufacturers bear part of the interest expenses, because some manufacturers will launch interest-free loans because of poor sales of a certain model or promotion of new cars.

In another case, 4S stores' own interest-free loans are mainly used for activities, discounts and clearance. This interest expense is also borne by the 4S shop. Of course, it is also possible that some stores will recover this fee through other channels.

Interest-free loans need to pay attention to three aspects. On the one hand, you can't participate in car price concessions; On the other hand, various handling fees emerge in an endless stream; On the other hand, various decorative configurations are bundled.

Fourth, summary.

As mentioned earlier, the main difference between full payment and interest-free loan, whether it is full payment or loan, is that there is no extra handling fee for full payment, and it is a direct one-time settlement, while interest-free loan may have restrictions, but as long as we keep our eyes open and see clearly those items that are charged in disguise, we will not be cheated.

So generally speaking, you can choose any payment method, depending on your own needs, because it mainly depends on the process.

In addition, be careful with the invoice and the actual bare car price. Recently, many small partners have consulted about the problem of low invoices.