The price of a car, while not as high as the house price, is definitely not a small amount. Therefore, many people consider taking out loans to buy cars when buying a car. When buying a car in a 4S store, the clerk prefers not to have interest and convinces consumers to take out a loan to buy a car. So, what's going on here? According to the relevant statistical results of relevant agencies, as of the end of last year, the number of cars in the mainland reached 395 million, and the number of car drivers was 481 million. In this regard, China's future auto market is still quite huge. At the very least, the current number of cars is not consistent with the number of people driving cars. Therefore, 4S stores can continue to go crazy in these years. In our traditional understanding, the most secure way to buy a car is to go to an online 4S store. By the way, in the process of buying a car in a 4S store, the clerks will recommend us to choose the way of "loan to buy a car".
In fact, there is no problem in recommending that we "borrow money to buy a car", but the problem is that in order to stimulate consumers to take out loans to buy cars, 4S stores can not charge interest. There must be a catty presence behind it. There is a saying in China that only if you buy the wrong thing, you can buy the wrong thing! The 4S store's initiative is actually for its own interests. Industry insiders said that if consumers choose to borrow money to buy a car in a 4S store, the 4S store can also get higher profits. For example, if the consumer chooses to buy a car for 150,000 yuan, if the consumer chooses to buy in full, the 4S store can get the full 4% agency fee, that is, 6,000 yuan. If the consumer chooses a loan to buy, after deducting 30% of the down payment, at least 100,000 yuan of loan is required. From here, 4S stores can get a certain financial service fee. Usually, this financial service fee is 3% of the loan amount, which is about 3,000 yuan of profit. By the way, the above financial service fee is paid by the owner to the 4S store. At the same time, the 4S store introduced the customer to the bank, and in the case of cooperation between the two parties, the bank also needed to give 3% of the loan amount as a rebate to the 4S store.
In this way, the 4S store can earn 6,000 yuan. Of course, the agent fee for consumers to buy a car needs to be paid separately. In addition, after consumers choose to take out a loan to buy a car, they may also be forced to buy all the dangers in the 4S store. After purchasing all the dangers, a deposit must be paid in proportion to the amount. In addition, the insurance company will also give the 4S shop a certain commission. In this way, 4S stores can make more money. From this point of view, we have no interest in the process of borrowing to buy a car, but there is a lot of hidden consumption. More importantly, it gave the 4S shop a painful "slaughter" opportunity. From this point of view, in fact, the real payee is still a 4S store. To take a similar example, if we choose a loan in a 4S store to buy a car for 150,000 yuan at the same time, the 4S store can earn at least 10,000 yuan or more. In some advanced local cities, it may be more than that number. In addition to loans to buy cars, many 4S stores have also announced zero down payment installment car purchase plans. However, this is a new "loophole" for most consumers. I think zero down payment installment car purchase is a very cost-effective thing. However, behind it is the pressure to take out loans to buy a car.
More importantly, through such publicity, 4S stores have stimulated the enthusiasm of the corresponding crowd to buy cars. In this way, driven by desire, this group of people ignores the potential losses behind them, temporarily heats up their heads, and chooses to buy a car. Such a result is exactly what the 4S store wants to see. As the saying goes, there is no profit. The reason why 4S stores want to provide customers with non-interest loan purchase services, to put it bluntly, is to make more money for themselves. If it's not good for him, why should he work on it? In short, in the 4S shop loan to buy a car, the last to take a big advantage must be the 4S shop. Here, Xiaobian also wants to remind everyone that in the case of sufficient funds, if you can buy all the cars, try not to choose a loan to buy a car. Compared with buying a whole car, there are many unknown risks and avenues for taking out a loan to buy a car. If we are not careful, we may be put on.
Conclusion: In order to avoid these unnecessary losses, we are better off choosing "short pain" and settling it in full at one time. If you have less money, you can choose a cheaper car. After all, the car doesn't want to keep the value of the house, and from the moment it gets it, it enters a devalued road of no return.