To this day, the car is still a relatively expensive commodity in the eyes of the Chinese, it is not like the pots and pans at home, you can buy it for a few dollars, and you don't have to consider whether you want the full amount or the mortgage. When many people go to buy a car, they don't have enough money in their pockets and have to choose the way to mortgage. However, when people around him knew that they wanted to buy a car with a mortgage, they advised him to buy a car in full. Everyone will get entangled, what is the difference between a mortgage and a full-fledged car? Which is more cost-effective?
People who buy a car in full are basically not bad at home, and they already have enough savings to pay for the car, they don't need to apply for a loan, and they have to pay an extra fee. There is also a very worry-free place to buy a car in full, that is, after completing the formalities and paying the money, the registration certificate of the vehicle is in his own hands, and he has a better sense of security.
If you take a loan to buy a car, you basically have a little savings on hand, but it is only enough to pay a down payment, and the rest needs a loan. But it also requires the owner to have a stable job and have money to pay off the mortgage every month. Relatively speaking, car owners do not need to take out a large amount of money at one time, and the economic pressure will be less.
However, the disadvantages of the loan to buy a car are also obvious, if the loan to buy a car, no matter how much money is basically paid, the handling fee of 3,000 yuan must be paid. There are also some 4S shops that charge more high fees, which may charge 4,000 yuan or 5,000 yuan. And if you take a loan to buy a car, you also have to buy car insurance in the store, and the cost of buying car insurance is about 1,000 yuan higher than that of the insurance company.
This is just an extra cost of taking out a loan to buy a car than buying a car in full, and when you repay the loan every month, you have to pay back a part of the money. A car of 150,000 yuan, the loan of 100,000 yuan per month is about 3,000 yuan, after the mortgage is repaid, everyone will find that the cost of buying a car is nearly 10,000 yuan higher than when buying a car in full.
In addition, when taking out a loan to buy a car, the 4S shop will install a GPS positioning system in the parking lot, in case the owner does not repay the loan on time, they can find the location of the vehicle through GPS and drag the vehicle back. This GPS is not free to install, many 4S shops install GPS will also be additionally charged, some places to 2000 yuan, some places to 3000 yuan.
Although the car we bought with a mortgage has completed the formalities and paid the money, the ownership of the vehicle does not belong to us. Before the loan is repaid, the car has always been a "mortgage car", the vehicle's certificate of conformity and motor vehicle registration certificate are placed in the bank, and only after the owner repays all the loans, these two items can be taken into his hands.
Compared with buying a car in full, the only advantage of a loan to buy a car is to reduce the economic pressure of the owner, so that everyone can buy the car home without enough savings to meet their daily travel needs. But the disadvantages of the loan to buy a car are also obvious, through the above comparison, I believe everyone has also seen clearly. After reading it, smart people should also know whether they should choose to buy a car in full or a loan to buy a car.
epilogue:
Nowadays, the popularity of cars is very high, and many merchants have launched many preferential promotions in order to attract customers. However, we advise everyone not to consume impulsively, because after the impulse, regret will follow. Before buying a car, it is best to make a plan to see if you have the need to use a car at this stage, if you can't use it several times a week, or if public transportation can fully meet your travel needs, you don't have to rush to buy a car.
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