When buying a car, many car enthusiasts are often confused by various discounts, policies and subsidies from salespeople. They are talking in your ear, plus the calculation of insurance and other costs, and in the end you may not be able to figure out the situation yourself, but remember that they said that they gave the biggest deal or various giveaways, and then they induced you to buy impulsively.
But whether you're buying a car for the first time or already have experience buying a car, it's important to stay calm and do your best to prepare before buying a car. You can even consider taking some notes to the sales site, so as not to get so caught up in the salesperson's various statements that you forget about the issues you really care about.
Today, I'm going to share the homework we should do before buying a car.
First of all, you need to be clear about whether you plan to buy a car in full or with a loan, because it is very important that the composition of these two car purchase methods is different.
If you choose to buy a car in full, you can ask the salesperson to list the following information: what is the guidance of the vehicle** (this** needs to be consistent with the guide price on the official website), and what is the discount amount for this car purchase, so that you can get the naked price of the vehicle. Next, calculate the purchase tax of the naked car price, now many places have preferential policies for purchase tax, we must ask clearly, to avoid being deceived by some bad salesmen, spending more money in vain.
Then, make a list of the cost of insurance, noting that the premium will be higher for the first year of a new car. Then there is the license fee, the general agency fee is between 300-800 yuan, if you go to the card yourself only about 100 yuan, but if it is in a different place it may need about 2000 yuan.
All of the above costs add up to the final landing cost of your car. In this process, be sure to ask the salesperson to clearly write down the details of the giveaway. As for the additional costs such as PTI testing fees and outbound fees they mentioned, most of them are unnecessary charges, which are essentially cheating consumers.
If you choose to take out a loan to buy a car, the cost calculation will be a little more complicated. In addition to the above-mentioned naked car price, purchase tax, insurance, and licensing fees, a loan service fee and possibly a GPS fee will need to be added. These two fees usually don't exceed 3,000 yuan, and if the salesperson's ** is too high, you can try to bargain.
Once all the costs have been determined, a final ** is obtained. Then calculate your down payment amount, which is usually 20%-30% of the total price of the vehicle, depending on the local car purchase policy. Note that your down payment plus the loan amount must be equal to the total price previously negotiated. Next, choose the loan term, which can be one year, two years, or three years, depending on your actual situation. At the same time, let the salesperson calculate the total amount of interest you need to pay on the spot, so that you know what to expect.
There will be a mortgage fee and a release fee when applying for a loan, which is about 300-500 yuan. Finally, when making the payment, don't forget to take into account the deposit you have paid before, as well as the amount you need to pay this time and the total amount of the loan remaining. Take the list given by the salesperson and check it off one by one, and don't be fooled by the various additional fees they come up with.
In general, we must be sober when buying a car, clarify the costs ourselves, and check and negotiate according to the list. As long as we know what to expect, we won't be easily tricked by salespeople.
Riders, have you ever encountered anything interesting or memorable when buying a car?Feel free to leave a comment in the comment section to share your stories and experiences.