Although China's motor vehicle ownership is already the world's first, but the number of private cars is not as much as the United States, the penetration rate of their cars is very high, the number of cars owned by 1,000 people has reached 837, and the car penetration rate is as high as about 83%, which is much higher than the proportion in our country. However, there are many factors in this, in the United States, there is no way to go out without a car, except for the urban area of the big city, there are taxis, there are subways, to go to other places to rely on their own driving, it is very common to go out and drive dozens of kilometers, without a car can not live and work at all, so they buy a car is very practical. However, Americans buy cars cheaply, but most people choose to take out loans to buy cars, but our country is different, if you have money, you will directly "pay the full amount", why is this?In fact, in addition to being less stressed, there are many benefits, many people say that they have lost a lot after knowing the inside story, and we will take a look at it today.
When you enter a 4S store or a second-hand car market to see a car, the staff will first talk to the owner about the configuration, appearance and various data information of the car, and they will explore everyone's intention to buy a car and how to buy a car. And it is said that for the sake of the car owner, when you meet a rich car owner, you will say that you can drive away by paying part of the money, and the rest can be used for investment, and there is no need to waste it on the car. When it is known that the owner's savings are insufficient, the staff will recommend buying the car in multi-year installments. In fact, I talked to a sales friend in a 4S store before, and buying a car with a loan is not as cheap and less stressful as we thought, so let's look down.
For example, if a car of 130,000 yuan is paid in full, it will be 3,000-5,000 yuan cheaper than taking out a loan to buy a carIf you take out a down payment of 90,000 yuan and take out a loan of 40,000 yuan, the 4S store will also charge a handling fee of 4,000 yuan, and requires full insurance, the cost is as high, but it has a two-year or three-year 0 interest. The reason why it is recommended to use a loan to buy a car is because if you buy a car with a mortgage, the bank or auto finance has a rebate of 2000-5000, and you will not get this fee in the case of buying a car in full, but there will be a service fee in full, which is equivalent to the rebate of buying a car with a loan, and this is not absolute.
We should also pay attention to the situation of installment, we must be clear about whether it is a 4S store or a bank, or other auto finance, some auto finance will cost thousands of yuan or tens of thousands of dollars more in three years, so everyone should be optimistic. I believe you see this and understand why smart people will "pay in full" when buying a car, in fact, it is cheaper to buy a car in full, so it is best for everyone to buy a car within their means. Friends, what do you think about this?Leave your opinion.