With the continuous improvement of people's quality of life, at present, more and more families are considering buying a car. In this era, although a car is not a necessity for a family, it is also an item that needs to be bought with a high probability. For example, you can drive a car to take your relatives and friends out for a trip in your spare time, and it can also be used as a means of transportation at ordinary times, saving time and handling things quickly in case of emergency. It's really convenient, but now the automobile market is full of beautiful things, and all kinds of cars, such as luxury models and low-end models, are very rich, which leads to a lot of people buying cars. With the huge number of people buying cars, people have also found a problem, that is, it seems that the richer people are, the more they tend to pay by installments when buying cars, while those with lower budget and low income tend to buy cars in full. Why, is it the latter? In fact, there are mainly the following reasons, which is also very reasonable from a scientific point of view. The rich have more money, and most of the cars they buy belong to the luxury class with super high prices, while the rich tend to manage money and need funds for turnover, and the interest on installment purchase is negligible for the rich, so there will be a phenomenon that the rich buy cars in installments

The sources of assets of the rich are basically industry and wealth management, which leads to a large amount of capital flow of the rich at ordinary times. That is to say, they usually need more funds for buffering, which is convenient for capital turnover. However, the rich people buy cars with ultra-high prices, and the price is at least several million, or even tens of millions. If you buy them in full, although it will not affect the overall funds of the rich, it is best to buy them in stages to facilitate the usual capital turnover, so that you can save more money. Moreover, the interest is negligible for the rich. In addition, the rich have a high concept of financial management, and they are used to spending more money on financial management, that is, Qian Shengqian, so it is normal behavior not to buy a car in full. Buying a car by installment is beneficial to improving the credit rating of the rich, which in turn facilitates their industries. However, if the general public has enough funds, they will naturally buy it in full

Another consideration is to buy it by installment for credit appreciation. We know that borrowing money from the bank regularly and repaying it within the prescribed time limit can improve their credit rating, which is of little use to us ordinary people. But for the rich, it plays a very important role. Improving their credit rating means that they can successfully borrow enough urgently needed money from the bank when they are in urgent need of funds, and because they often have business contacts, it is very convenient when they do things. For the general public, they have no need in this regard. If they have enough deposits, why do they have to pay more interest in installments and go through complicated procedures? After all, they have to pay so much money in the end, so the general public basically has no special circumstances.