The routine is to pay in installments at the bank. Although it is said that there is no welfare, it is still a 3% handling fee, which is just another way of saying that it makes people feel very cost-effective.

Second, why do 4S stores want you to borrow money to buy a car?

In recent years, people's living standards have been continuously improved, and more friends have bought cars. For friends who are not well off, "loan" is a shortcut, but you know.

Do you think those people in the 4s shop will really think of us? Then you just

First of all, if we borrow money to buy a car, the commission of the salesperson in the 4S shop will be very high. As long as we buy it, they will exploit us working people step by step. What decoration fee, handling fee, service fee, authorization fee, CPS positioning fee and so on. They are in charge.

Of course, the most critical income insurance is to buy. I suggest buying a car, Xiao Bai, and compare the insurance premium before buying it. The gap is really big! All risks specified by the loan shop are extremely expensive!

Therefore, 4S stores are looking forward to your loan to buy a car, because this is how they make money, and the price difference between them will probably vary from 0 yuan. Riders, did you think of a loan when you bought a car?

Third, why did the 4s shop let the loan buy a car?

From his own interests alone, if you borrow money to buy a car, he can earn you thousands of fees. Starting from your own interests, the threshold for buying a car is lower and the pressure is lower. Buying a car with a small mortgage is more favorable than buying a car with a full amount.

4. Why do 4S shops ask you to borrow money to buy a car?

The question of how much income.

Buying a car with a loan is equal to long-term income, and buying a car in full is equal to buying and selling with one hammer. On the premise of the same car price, how much can you earn by buying and selling with a hammer? It seems that there are a few more items to buy a car by stages, such as.

Financial service fee of loan agent

Long installment period, interest income.

During the repayment period, the auto insurance will require insurance in the store.

Installment car license fee

These four charges are basically the same as those collected for free. It's a little troublesome to buy a car in stages at the bank. If it's a financial service institution owned by a car company, it's much simpler. It's nothing more than faxing information or sorting out some photos for review. But this simple procedure generally costs 2000~5000 yuan, and the higher the car price, the higher the cost. Secondly, there are generally 24 interest-free or discounted installments, but short-term installments will put pressure on many installment buyers to repay, so they often choose 36 installments or longer. The interest generated after the overdue period is the financing profit of the automobile enterprise.

However, the focus is still on insurance. In the first year of auto insurance, the car can be insured in the store at most, and then the owner can choose. However, buying a car by stages will always require insurance in the store. In order to prevent car owners from taking out insurance in the store when they repay, they will charge a deposit until the end of the repayment period, and even ask car owners to take out auto insurance for many years at one time. The reason why stores require continuous insurance is because insurance companies will give stores a considerable proportion of commercial insurance coverage in auto insurance, which is one of the main profit points of stores.

Finally, the licensing authority. Generally, there is no special requirement for buying a car in full, but buying a car by stages will be subject to various conditions. The normal license registration fee is less than that in 200 yuan, but if the store handles it on its behalf, it will range from 500~ 1000 yuan to 1000~2000 yuan, which is considered as profiteering. You can make more profits in these four ways. Buying a car by stages is the best way to sell a car in the store. You don't have to go to the store after the first insurance, and you don't have to go after normal maintenance. If you put yourself in the shoes, would you like to sell the car in installments or in full?

However, although there are indeed many unreasonable places in buying a car by stages, it is still valuable to many consumers who just need a car without the ability to buy a car in full. But before buying a car by stages, you must read the car purchase contract carefully to determine whether the above four expenses appear in the car purchase contract. If there is, it will be executed according to the contract. If not, there is room for manoeuvre. There is no fixed price for buying a car and service, and the store also looks for someone to order. If you want to save money, you must know some words and try some brands.