For the post-90s and post-95s who have been working for 4-5 years, their deposits are mainly concentrated in the range of 6-100,000. This figure happens to be the budget range that many young people consider buying a car. So, how should they choose their own car on this budget?
According to the report, these young people are faced with two mainstream car purchase options: one is to spend about 60,000 yuan to buy a second-hand car as a transition; The second is to pay a down payment of 60,000 yuan and take out a loan to buy a new car worth about 200,000 yuan, in one step. There are pros and cons to both options, which have left many young people entangled.
From an economic point of view, if the personal income is stable and there is a good expectation of future income, then it seems more appropriate to choose a loan to buy a new car of 200,000 yuan. After all, a new car usually means better performance, lower failure rates, and longer lifespan. Moreover, for novice drivers, driving a new car that is fully equipped and easy to operate can undoubtedly improve the safety and comfort of driving.
However, there is also an opinion that beginners should choose the lowest vehicle for practice, so that even if there is an accident such as scratching, the economic loss will be relatively small. This view seems reasonable, but in fact it ignores the cultivation of driving habits and the improvement of driving skills. If a novice driver gets into the habit of not being indifferent to the scratching of the vehicle from the beginning, this habit may lead to greater financial losses when driving a more expensive vehicle in the future.
In addition, it has to be mentioned that 200,000 new cars are usually equipped with a wealth of auxiliary driving functions, such as 360 panoramic images, lane departure warning, merging assist, etc. These high-tech features not only make driving safer, but also easier and more enjoyable. Especially for novice drivers, these features are undoubtedly a big boon.
Of course, buying a new car for 200,000 also means more economic pressure. In addition to the down payment and interest on the loan, there are additional expenses to consider such as insurance, maintenance, parking, and gas for the vehicle. Therefore, when making a car purchase decision, young people need to fully assess their financial affordability and actual needs.
So, for young friends who do not have a high income and spend more, how should they balance the demand for car purchases and economic pressure? Perhaps, a more pragmatic choice is: buy a second-hand car with moderate and stable performance. In this way, it can meet the daily travel needs without putting too much burden on the economy. Well, see you next time, don't forget to like and follow!