Moreover, the car is paid in full, has full ownership of the car, and can be controlled anytime and anywhere. You can only apply for semi-insurance for your car, and you can save a sum of money every year.
To buy a car with a loan, you need to pay bank interest, 4S shop handling fee and annual all-insurance fee. However, buying a car with a loan also has many conveniences.
First of all, it increases the credit of your credit card, because you pay back the car on time every month. When you return the car, your credit will also increase, so as to prepare for other things in the future.
Secondly, buying a car with a loan will not consume too much savings at one time. Flexible monthly payment quota and time can also share a lot of pressure for you and have more spare money for investment or emergency use.
As a result, many young people now choose to buy a car with a loan, which can not only have the right to use the car in advance, but also reduce the pressure, and is gradually becoming the consumption concept of young people.
Besides, there is one more thing. In fact, the loan to buy a car has nothing to do with the 4S shop. You need to contact the bank. If you don't understand it, the so-called "4S agency fee" will come into being.
In a word, buying a car with a loan is a wiser choice than buying a car in full (of course, the premise is to have a stable income and ensure timely repayment every month). After saving money for three years, I finally bought a car. Again, after driving for three years, I finally paid off my loan. You chose it because a large number of people don't like the smell of debt. Secondly, many people think that it is not reliable to buy a car with a loan, which is much more expensive than the total price when buying a car. Therefore, many "local tyrants" who buy cars in full would rather borrow money from relatives and friends than borrow money to buy cars when they are short of money.
In fact, there are two kinds of people who buy a car in full. The first one is a local tyrant who is not bad at money, because buying a car in full is the most worry-free and labor-saving method. Let's not talk about such people for the time being. Another person, however, decided to buy a car in full with an abacus, because buying a car in full can really save a sum of money than buying a car with a loan, and there is no need to consider monthly repayment or pay those extra handling fees. No one can say what will happen in the future. Anyway, seize the immediate interests first!
Benefits of buying a car in full.
1, "So-and-so you owe us a lot of money, and then you have to pay it back", which will make you feel much better and the total cost will be lower.
2. Moreover, the pleasure of buying a car will be more than one thing. This thing belongs to me, and it feels good to own and be owned.
Disadvantages of buying a car in full:
1, once there is urgent need, the capital turnover is insufficient.
2. Money becomes a car and directly enters the depreciation cycle.
What do people who borrow money to buy a car think?
In recent years, "early consumption" has become?
Benefits of buying a car with a loan:
1, first of all, some business friends, you said that you want to purchase goods, turn over goods, and do business.
Disadvantages of buying a car with a loan:
1, one more loan procedure and one more handling fee.
2. There is a certain pressure every month.
3. It's a few days slower to pick up the car than to pay in one lump sum.
Calculated by installment purchase:
Car price 100000, car down payment, zero interest for two years, loan for three years, 80 thousand, interest of 3,600, and handling fee of 2,500 are still acceptable. Because he is a building materials business, there is no way, so he still took the mortgage after calculation.
The specific service fee and interest vary according to the brand and 4S shop. Some activities in manufacturers or 4S stores will be free of service fees or interest, and they are all tripartite financial institutions. In short, each brand has four major differences that need to be understood in the store. Moreover, the financial policies of some automobile factories and brands are not too different. You can find a salesperson to calculate how much you will pay more.
If the insurance company needs us to issue a certificate of timely repayment to the lending institution when making claims, I hope you will never need this small fee, and I wish you a happy life.