First, the probability of buying a car in full is very small. Popular models, you go to the 4S shop to ask for the car in full, or tell me that you need to wait three to six months to pick up the car, or you don't have a car directly, or you can't choose the color. In short, the 4S shop is the last one to welcome customers full of cars. Why is this happening?
Because 4S stores have their own finance companies or long-term cooperative loan banks, if they buy a car in full, it is equivalent to losing their income. Therefore, 4S stores like to borrow money to buy a car, not only can they pick up the car in advance, but the color can also be customized according to customers' needs.
Second, the pressure on the loan to buy a car is small. Now, in order to solve consumers' concerns about buying a car, a large number of 4S stores have launched 24 preferential activities for buying a car with zero interest rate, low down payment or even zero down payment. Even if you are a platinum user of a bank, you may not enjoy this interest-free money.
Therefore, buying a car with a loan can not only reduce your financial pressure, but also require no interest. Why not?
Third, use the money from buying a car to invest in a 4S shop loan to buy a car. The cash in hand can be used for other investment projects, and now the investment channels are very rich. Insurance points are invested in funds and creditor's rights, while relatively high-risk investment methods are stocks and futures.
As we all know, a car is a consumable. If you invest once, it will not only occupy your capital, but also devalue your wealth. If you take out a loan to buy a car, use the remaining money to invest. Because of the interest-free policy of 4S stores, you can borrow another sum of money from the bank at zero interest.
In this way, as long as your investment channels are reliable, you will have two interest-free loans at the same time. Isn't it beautiful?
Do you think it's better to buy a new car by loan or in full? Welcome everyone to discuss together.