When we buy a car payment, the salesman will ask the customer to choose whether to pay in full or in installments. For this reason, everyone's views are different. Some people think that buying a car with a loan is not worth paying for it, and some people would rather use the loan to buy a car and take the extra money for financial management. They do not want to pay in full. Why is this? Is it good or bad for a loan to buy a car? Let us take a step-by-step analysis below.
Think of the loan to buy a car good people say?
Nowadays, the payment method of installment payment is becoming more and more popular, and many people have gradually become accustomed to this consumption method. Because it not only allows us to enjoy material life in advance, it also allows us to make money. People who like financial management generally know that the preferential loan interest rate in the market is 4-5%, and some even have discount interest and zero interest, while some financial products have a yield of 7% or more. Therefore, the loan money will be As a financial investment can get at least 2% of the rate of return.
How do you think about people who pay for the full amount of money?
Loans to buy cars need to pay interest, and some car buyers in the loan to buy vehicles beyond their scope, he may just calculate the ability to repay their own, it seems that neglected the cost of car, car, which led to double the pressure, and even Inability to repay the loan. Moreover, when buying a car, some 4S stores will increase various types of fees in various names in order to make profits. This will increase the total purchase price of cars, which is not considered as an overall benefit.
Why do 4s shops prefer customers to choose loans to buy cars?
Under normal circumstances, the profit of selling cars in 4s stores is very low, and in some special cases, in order to complete the sales, there are times when they will sell money to sell cars. Therefore, in order to be able to survive, he must find ways to make money from other places.
The so-called fee of the loan is one of the main channels for making money, because the vast majority of financial lending institutions only charge interest without charge. Therefore, the fees charged by the 4S store are just profitable means in the store. In addition, the fee is charged by the 4S shop, so it is not fixed to some extent.
Each person's perspective is different, and the way they look at it is different. Therefore, to say whether a loan is good or bad depends on the buyer’s own circumstances.
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