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Is that really so good? Is the loan value worth buying?

Time: 2013-08-15         Source: Rong 360 original         Author: bamboo

Mr. Li has to change a new car in the near future. He is interested in a high-end car with a price of about 400,000 yuan. After the price is over, he plans to buy the car in full. However, the sales consultant suggested that he hopes that he can borrow to pay for the car, and if he uses the loan to buy it, he can enjoy a one-year zero interest rate. For the rest of the money, Mr. Li can be used for business or for other purposes.

The advice of the consumer consultant is reasonable and Mr. Li shouldLoan to buy a carWhat? In fact, the standard of judgment is not difficult, it can be measured from the following three points:

One is his ability to pay.Loan car purchaseMost of the clients are entrepreneurs or white-collar workers. The choice of loans means that the monthly fixed expenses will increase. Parking fees, fueling fees, maintenance fees, etc., the minimum monthly fee is more than 1,000 yuan. If the savings are used for business turnover, you need to consider the success or failure of the business. In case of failure, the car will not be able to return to the moon and may be forcibly recovered.

The second is cost and benefit. Many people are attracted by low down payment, low interest rates and low monthly income when buying a car, but the cost is not completely free. "My friend's car is bought in full. There is no discount. I originally wanted to buy the whole item. However, the salesperson of the car dealer recommended me a loan to buy a car. It is a one-year installment, no interest, just pay. The first payment is 4,000 yuan per month. Of course, I have also charged me 3,000 yuan. "He has said that he has had a loan to buy a car." In fact, buying a car by loan is nothing more than saving a lot of money. For white-collar workers, this money can be used as an emergency reserve to cope with a large amount of expenditure. It can also be used as an investment.Financial managementThere will be some gains; for those who do business, if you need capital turnover, borrowing a car can ease cash pressure.

The third is the preferential strength. If you encounter zero interest rate, zero monthly payment, the handling fee is not high, the car buyers can take the loan method, after all, the remaining funds can be used for other purposes. In addition, if there is no discount for one-time payment, car buyers can also consider which payment method is more suitable for them.

As for why sellers are keen to let consumers buy a car, the reason is that they can earn some fees. Nowadays, the competition in car sales is fierce. If the profit of the car price is not high, the seller will definitely make some money from other aspects, such as the cost of the card, the loan fee and so on. On the whole, the loan handling fee is the fastest, lending a car, the handling fee ranges from 2,000 yuan to 5,000 yuan.

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