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Is it cost-effective to buy a car with a loan or with full payment? If you have strength, you'd bett

Nowadays, with the improvement of people's living standards, buying a car has become a choice for many people. When buying a car, is it better to buy it in full or with a loan? Follow Xiaobian to see which way is better?

In recent years, people who have bought a car must have found a rule, that is, no matter which 4S store wants customers to buy a car by way of loan. In order to make customers agree with this way of buying a car, 4S stores may offer a great deal of discount. For our customers, which of the two is the best way to buy a car? Old driver: the wrong way, the worst way.

Why does the senior manager have the opportunity to say that? The reason is that many car owners have already regretted it. Most of them regret choosing to buy a car with a loan. So why is it that the way of buying a car, which is highly praised by 4S, is not suitable for the car owners? After I give you an account, the answer is clear at a glance. As we all know, the car owner now goes to the bank to get the car loan himself. In the past, the 4S store would get the information for you. But now the owners have to hand it in. There will be interest after the loan. Take a car of 139800 yuan for example, the down payment for a car is at least 30%, that is 41900 yuan. The loan is 97900 yuan. The interest generated during the period is related to the benchmark interest rate, which is about 8000 yuan. A car loan can last three years at most, so the monthly payment for a month is about 4500 yuan.

In this way, the disadvantages of buying a car with a loan are obvious. First of all, 8000 yuan of interest has been paid in the past three years. This figure is still a little too much for people. After all, the car loan is only three years old, so there is no question of RMB appreciation or depreciation. But the most important thing is not only that, because of the short term of auto loan, even if the loan is not much, the monthly payment is also very high. In front, the monthly payment for buying a corolla is about 4500 yuan. We adults have to live, raise children and show filial respect to our parents. After the loan, where does the 4500 yuan come from? This is a problem.

Moreover, even if these problems are not discussed, there are still a series of service fees to be paid to buy a car with a loan from a 4S store. Including financial service fees and so on. Some 4S stores also let car owners buy all risks insurance directly in the store, which is a very high cost. From this point of view, the car stickers and dash cam sent by 4S shops are not worth mentioning. There is no such worry about buying a car with all the money. First of all, the people who can buy a car with all the money must have plenty of money. Even if they use all the money to buy a car, their life is a bit tight for a while, and there is no worry about it. The loan to buy a car is not only troublesome in the early stage, but also tiring in the middle of the loan repayment. After paying off the loan, we have to go to a special place to change the vehicle information registration. So it's really the wrong way to buy a car, and I'm losing out. In any way, it's better to buy a car with a full payment than with a loan.