In this fast-paced era, owning a car of your own has become a small blessing in many people's lives. However, when faced with the car of your choice, do you choose to spend a lot of money to get it in full, or do you take the loan route with a careful budget? Especially when the car price is locked at the sweet spot of 100,000 yuan, what kind of digital secret is hidden in the choice between the full payment and the loan? Today, let's take an in-depth look at the cost of buying a car!
Full purchase of a car:
When you have 100,000 yuan in cash and decide to pay off the car purchase price in a lump sum, this refreshment is like a cup of ice drink in summer, which makes people feel happy. Let's uncover the bill for buying a car in full step by step:
Naked car price: Assuming that the market guidance price is 100,000 yuan, after obtaining a certain discount through bargaining, the actual naked car price paid may be 95,000 yuan.
Purchase tax: According to the price of the naked car, it is about 95,000 ÷ 11.3 ≈ 8,407 yuan.
Insurance premium: The first year of new car insurance is generally high, roughly around 5,000 yuan, which fluctuates according to the model and insurance company.
Licensing fee: run errands on your own, easily get 120 yuan; If you entrust a 4S store, the reasonable cost should be within 500 yuan.
To sum up, the total cost of buying a car in full is about the naked car price + purchase tax + insurance premium + license fee = 95,000 + 8407 + 5,000 + 120 = about 108,500 yuan.
Loan to buy a car:
Taking out a loan to buy a car means that you only need to pay a portion of the money first and repay the rest in installments, which sounds tempting, but there are many ways to do it:
Down payment: Usually, the down payment needs to reach 20%-30% of the price of the naked car, that is, between 19,000 and 28,500.
Loan handling fee: This "invisible threshold" is about 3,000 yuan, which cannot be ignored.
Interest: Take a loan of 70,000 yuan, divided into 36 installments, for example, the monthly payment is about 2,155 yuan, and the total interest is about 7,580 yuan.
Insurance: During the loan period, the 4S store may require the purchase of full insurance, which may cost more than the full purchase of the car.
Listing fees: Same as present, but no longer a concern.
Therefore, the initial expenditure (down payment + handling fee) for the purchase of a car with a loan is about 22,000 to 31,500, plus the total interest, the expenditure in the entire car purchase cycle will exceed the total amount of the full purchase of the car, falling in the range of 116,000 to 126,500.
In-depth analysis:
Judging from the intuitive comparison of numbers, the total cost of financing to buy a car is obviously higher than the full amount. This is due to the additional commissions and higher interest expense. In particular, interest, like an invisible "fuel consumption", quietly increases the cost of buying a car. In addition, there may be some "small pitfalls" in the purchase of a car with a loan, such as high insurance bundles, release fees, etc., which require consumers to keep their eyes open and confirm one by one before signing the contract.
Conclusion:
The old adage "if you can pay in full, don't take out a loan" still holds true in most cases, and the logic behind it is to cut down on unnecessary expenses and make every penny count. However, everyone's family financial situation is different, and for those who are more cash-sensitive, taking out a loan to buy a car is a flexible option, and the key is to weigh the pros and cons and plan for the long term.
Buying a car is not only a consumer behavior, but also a small test of personal financial management ability. Whether it's a full payment or a loan, choosing the way that suits you and making every drive a happy journey is our ultimate pursuit. At every moment when the wheels roll, let reason and passion go hand in hand, enjoy life, and enjoy freedom.