1. What do people think about buying a car with full payment? Buying a car with full payment is still very common in China. Firstly, a large number of people don’t like the feeling of being in debt. Secondly, many people think that buying a car with a loan is unreliable and is much more expensive than buying a car. The total price is much more expensive. Therefore, many "rich" people who buy cars with full payment would rather borrow money from relatives and friends when they are short of money, rather than take out a loan to buy a car. In fact, there are two types of people who buy cars with full payment. The first type is rich people who are not short of money, because buying a car with full payment is the most worry-free and labor-saving method. Let’s not talk about these people for now. The other kind of people decide to buy a car with full payment after making some calculations, because buying a car with full payment can indeed save a lot of money than buying a car with a loan. They don’t have to think about monthly repayments or pay extra money. As for the handling fees, no one can say what will happen in the future. Anyway, let’s seize the immediate benefits first! 2. What do people who take loans to buy cars think? In recent years, "advance consumption" has become a very common thing, and buying a car with a loan has naturally become the mainstream car buying model. Because you spend other people's money in advance to improve your own life, then what do people who take loans to buy cars think about? Inflation is an issue that must not be ignored. We need to calculate the currency depreciation caused by inflation. In 2011, the CPI increased by 2.01%. In the past three years, the annual price increase has basically been around %~1. 0% is equivalent to 100 yuan today. After three years, that 100 yuan will become more than 0 yuan. If you use the money three years from now to pay for what you are spending now, is it equivalent to your own? Save money? After the second down payment, use the remaining money to finance your finances. If you buy a car with a loan, what should you do with the money after you pay the down payment? Earning interest on deposits in the bank is never a good idea. In fact, we can use the remaining money for investment and financial management. Generally, the preferential loan interest rates on the market are 4-5%, and some even offer discounts and zero interest, and the yield rate of some financial management products is as high as 10% (income If the rate is too high, be careful), then you can get a rate of return of at least 2% by using the loan money as financial investment. 3. There are many mysteries and deep tricks to buy a car with a loan. I have exaggerated so many benefits of buying a car with a loan. Some users may think that I am from a bank or a 4S store. To avoid misunderstanding, let’s talk about buying a car with a loan. The "routine" inside. A loaned car must be fully insured in the store. "Full insurance" is just a vague concept. There is no exact meaning of "full insurance" in insurance companies. In other words, the 4S store forces you to buy the type and amount of insurance. Whether the type of insurance is useful or not doesn’t matter at all, you just have to pay for it. Because although you bought a car, the title does not belong to you, but to the lending institution. If the vehicle is damaged during use, someone must pay for it, and that person is the insurance company, so the insurance is comprehensive. Second, don’t be fooled by the “0 interest rate”, there are also service fees! Nowadays, many brands and models offer "zero-interest loan" car purchase methods. Although you enjoy the interest-free treatment, there are also "traps". Often when purchasing a car with a loan, many merchants will charge corresponding service fees. Therefore, there is still a difference between purchasing a car with a zero-interest loan and purchasing a car with full payment. In addition, the specific service fees vary depending on the brand and model. Basically, when the loan amount is between RMB 100,000 and RMB 300,000, the service fee charged by many merchants ranges from RMB 2,000 to RMB 5,500. The amount of the service fee is determined by the manufacturer based on different models. 3. Those damn handling fees are really annoying. There are no rules at all. Every 4S store is the same. The conscience ones charge two or three thousand, while the black-hearted ones dare to charge five or six thousand. In short, it’s a mess. . So what is this handling fee used for? Haha, no one can explain it clearly, I can only say that this is an "unspoken rule" that cannot be avoided. Summary: Regarding whether it is more cost-effective to buy a car now with full payment or a loan, for now, it is still public opinion and mother-in-law, and both sides have different opinions.

However, the editor believes that a loan would be more suitable and more flexible, but don’t forget that buying a car is not as good as selling it. When buying a car with a loan, don’t just see the convenience and benefits, but also pay attention to the routines and traps