Zhizhi famous saying: If you come out to mix, sooner or later you will have to pay it back. No one can run away
People who are engaged in the 4S store industry these days feel that the sky is about to fall. Under the fierce price war,
Originally, relying on high interest and high rebates, 4S stores can also make up for their losses.
But the first shot has been fired in the China bank, stopping the high interest rate and high returns, and soon this wind will blow to other banks.
The era of high commissions on loans has come to an end.
In the past two years, 4S stores have relied on loan commissions and barely survived, and now this is to completely force traditional dealers to the edge of the cliff.
In the past, selling a car for 400,000 yuan gave a discount of 100,000 yuan, but the loan was 80%,
The interest is 25% points, and 4-50,000 yuan will be returned, which is equivalent to a discount of 5-60,000 yuan after conversion.
Loans can effectively help 4S stores reduce losses, which is the largest part of the profit of new car sales in recent years.
The current financial reform has completely destroyed the profit system of 4S stores.
The probability has returned to the fundamentals, with an interest of 15% and a return of 5%, and a car will have to lose tens of thousands.
The owner of the 4S store who invested in it is estimated to be crazy! But some people say that the price can be increased?
But now in the era of automobile involution, price wars are prevalent, and if you raise prices, consumers will not admit it.
For example, the BMW brand some time ago, after just raising the price for 2 months, it couldn't resist it, and then it began to join the price war again.
Now because of the adjustment of loan handling fees, you have to increase the price, and you have to reason with customers.
At the very least, you have to think about it first, where does the confidence come from?
Once the price rises and the sales collapse, who will bear the responsibility?
The end of this high interest rate and high return has completely destroyed the defense line of the sales end of the 4S store.
It is not known how long these 4S stores can last.
No one knows what the future holds. If you don't increase the price, you will die, and if you can't sell the car if the price increases, you will have to die.
But for consumers, it is a good thing, there is no car loan with such a high interest rate anymore,
There is no need to entangle the loan and the full amount with the 4S store, play back and forth, and dismantle the routine back and forth.
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Author: Che PHS, a senior practitioner in the industry for 13 years, shares all kinds of dry goods in the industry, automotive knowledge, personal opinions, and internal affairs in the industry. I wish you who read the article: there is light in your eyes, love in your heart, and a sea of stars as far as your eyes can see