Second-hand car installment is definitely not cost-effective and unnecessary.
For example:
Take the second-hand Sagitar as an example. The price of the used car is 99,000, and you can get it home with a down payment of 29,700. Then, in addition to the advance payment, you also need to pay:
The down payment is 29,700 yuan, the monthly payment is 2,750 yuan, and ***36 cycles, you can calculate 2,750 * 36 = 99,000 yuan , 99000 down payment 29700 = 128700, and then add three years of commercial insurance, the average is about 5000 per year, then 12870 15000 = 143700 yuan, plus the platform service fee of 3960 yuan, 143700 3960 = 147660.
The total is down to more than 147,000, and GPS waives installation fees, handling fees and other fees. If you add those costs, it would be even higher. 147660-99000 = 48660, all installments have been completed, you can pay an additional 48860 yuan in full. Everyone can see that this price adds something to the price of buying a brand new Sagitar.
So, it is obvious that buying a used car in batches is not a good thing and will lose the original value of the used car.
Extended information:
Benefits of installment payment:
1. Reduce payment pressure. The installment period usually ranges from six months to several years. Each payment is much smaller than a lump sum, and the burden on the buyer is reduced.
2. The risk is small. Installments last longer and problems in the home are easier to spot. If the real estate agent fails to complete the project according to the contract or the quality of the home, or if a property dispute or financial dispute occurs, the buyer can stop paying for the home. Take timely measures to reduce losses.
The main uses of installment payment:
Instalment payment is mainly used for product transactions with long production cycles and high costs. Such as exporting complete sets of equipment, large vehicles, and heavy machinery and equipment. The method of installment payment is that after signing the import and export contract, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is after partial or full production and transportation of the product, or product installation testing, quality assurance Investment and repayment in installments upon expiry of the term.