Nowadays, there are more and more private cars. Many families have more than one car. There are two ways to buy a car, one is full payment, the other is installment payment, which is what we call car loan. Is the car loan good and cost-effective? Let's get to know with Xiaobian.
As for car salesmen, they only need a commission of more than 2000 yuan to sell a whole car, and you can choose not to buy commercial insurance in 4S shop, so salesmen have no insurance commission. So selling an installment car is equivalent to buying several full-length cars. How can we sell so many cars in a month? So the salesperson hopes that customers can buy installment cars!
The installment car certainly takes a long time to recover the capital. But they sold about 30000 more cars by stages than the whole car, and they mainly sold about 100000 cars. The so-called service charge is that the company wants to charge you several thousand yuan more for no reason.
From the perspective of consumers themselves: compared with installment payment, the price paid by the whole payment is to occupy some activity funds. And how much is the loss of this activity fund? It depends on what you do with the cash if you don't buy the whole car!
Take 200000 cars as an example. Compared with the two-year installment payment, the full payment is roughly equivalent to 200000 yuan x-year activity funds. If you were going to buy a house in the first tier city in 2016, you would lose 1 million yuan by 2017 - 3 million yuan by now, of course. If you had planned to deposit the money in the bank, you would have lost thousands of yuan. If you were prepared to speculate these years, you might have made some money instead. If you were going to bet on the money, Congratulations, you made 200000!
To put it bluntly, from the perspective of sales, the whole money is a loss, but for our consumers, the whole money is still OK in the case of economic insecurity! Do you have any good ideas about buying a car?