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Is it really so good? Is the loan worth buying?

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

Mr. Li will change his new car in the near future. He fancy a high-end car. The price is about 400,000 yuan. After the price is over, he intends to buy the car in full amount. However, the sales consultant suggested that he hope that he can borrow money to pay for the car. If he uses the loan to purchase, he can enjoy a one-year zero interest rate. For the remaining money, Mr. Li can be used for business or for other purposes.

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

One is their own ability to pay.Loan carMost of the clients are those who have just started a business or are white-collar workers. Choosing a loan means that monthly fixed expenses will increase. Parking fees, refueling fees, maintenance fees, etc., have a monthly minimum of more than 1,000 yuan. If you use the saved funds for business turnover, you need to consider the success or failure of your business. If you fail, your car will not be able to return to your mortgage and you may be forcibly recovered.

The second is costs and benefits. Many people are attracted by low down payments, low interest rates, and low monthly fees when buying a car, but the cost is not entirely free. “My friend’s car was bought in full amount. There was no incentive. I would have to buy it in full, but the dealer’s salesman recommended me a loan to buy a car. It is a one-year installment and I don’t need to pay interest, just pay. The first payment is 4,000 yuan per month, but of course, it also charges me a 3,000-yuan fee, said Mr. Ho, who had a loan to buy a car. In fact, the purchase of a car on the loan is nothing more than the saving of large capital expenditures. For white-collar workers, this money can be used as an emergency reserve to meet possible large expenditures, and it can also be used as part of investment.Financial managementThere will also be some income; for people who do business, if you need cash flow, loans to buy a car can ease the cash pressure.

The third is incentives. If there is a zero interest rate, zero-month supply, and the fee is not high, the car buyer can use the loan method. After all, the remaining funds can be used for other purposes. In addition, if there is no incentive for one-off payment, the car buyer can also consider which payment method is more suitable for them.

As for why dealers are keen to let consumers buy loans from cars, the reason is that they can earn some fees. Today's car sales are fiercely competitive. If the profit of the car price is not high, the seller will certainly make some money from other aspects, such as the card fees, loan fees and so on. In a nutshell, the loan processing fee is the fastest, with a loan amounting to RMB 2,000 to RMB 5,000.

Urgent money? We measured hundreds of modelsMicrofinanceproduct! Concerned about the WeChat public account number "exchanging money" (ID: chuqiankuai), replying to "emergency money", no longer afraid to borrow money.

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