To save face, blindly follow the trend and borrow money to buy a car! What later troubles will you encounter?

It is normal to blindly follow the trend and borrow money to buy a car to save face. However, many people buy a car for a while, and call their parents after repayment!

Generally speaking, as long as you buy a car in a regular 4S shop, blind loan will have two bad results when your strength is insufficient: one is that the repayment is very tired, and the other is that the car is empty!

From one and a half years to three years, the monthly car loan of several thousand yuan makes many people breathless. Since buying a car, people who buy a car are only happiest twice, once when they mention a new car, once when they pay off their car loan, and the rest of the time they are struggling with how to solve the next repayment.

Since buying a car with a loan beyond their own strength, many people are afraid to eat good clothes and buy more brand-name clothes. Sometimes they are worse than a dog. I worry about car loan money every day. Can you understand this feeling?

Why is there such a result? It's just because it's too much beyond one's own strength, or because of some economic changes, it's impossible to repay the car loan in time or unable to do so.

At this time, the lighter one is the loan company's debt collection, and the credit investigation has a bad record. More seriously, the car was taken away for repayment after the auction. Sometimes, the money after the auction is not enough to repay the bank's debts. At this time, it is really the feeling that people and cars are empty. I also paid the money, but the car is not my own. This kind of pain is self-inflicted!

Therefore, it is an irrational choice to consume rationally, especially this kind of large consumption beyond one's ability. No matter how much you like a car, don't let it become a burden!

Cars are consumables, and they depreciate quickly. They are depreciated products! Buy a car according to your ability, but also relative to your own economic conditions! Similarly, the better the economic conditions, the higher the degree of vehicle selection! Since the subject asked the key words, one is face, the other is blindness, the second is following the trend, the fourth is borrowing money and loans, and the fifth is the following question! Now, I will interpret these five keys one by one!

1, face: Again, buy a car according to your ability. If you buy a car for a moment's face and blindly spend it, then your repayment pressure may be great in the later period! If it is for personal use, my personal advice is to wait until I have money. If the company receives a business order, this is another matter.

2. Blindness: When it comes to blindness, you must not know your personal ability, repayment ability and car supply ability in the future! What's more, they don't have a good analysis of their economic articles, and they are impulsive consumers! Car, not after buying a car, its cost will end! Only if you buy a car, then you have to spend money every hour every day, insurance, maintenance and warranty, and refuel every day! Even if you can't open it, you have to pay the insurance premium every day! A car insurance+gasoline, the minimum monthly expenditure may be about 5,000 yuan in 400 yuan (transportation, business+monthly refueling). Don't buy a car if you can't afford it, wait until you have money!

3, follow the trend, borrow money, loan! To follow the trend, you must have the heart to compare with others. When you see that all your friends around you have cars, you think you must have a car, so you want to follow the trend and buy a car! But I have no money. I want to drive and feel embarrassed, so I want to borrow money! Friends and relatives around you, don't borrow money, not much, only pay down payment! So I thought of a loan to buy a car! By this time, you have settled everything, the money is wrong, the car is borrowed, and then you have a car. At this time, you are happy, have face and have a car!

4 The following question is coming! It was fun to drive outside every day in the first month! The next month, the pressure to pay the monthly payment came. A year later, I was unemployed, unemployed! Without financial resources, the car loan should be paid back every month, the insurance for the second year should be re-purchased, and the down payment of the borrowed friends should be paid back! What should I do? Which one should I go back to first? My head is very big. In the second month of the second year, the repayment is overdue. In the third or fourth month, the work is still not settled, and the overdue is getting more and more serious! Then the confession was broken! If the mortgage defaults, the lender will sue you on the one hand and hand over your car to the trailer on the other! Finally, your credit report may be blacklisted, your car will be towed away, and you will go back to your original place!

As the saying goes: Buddha depends on gold, and man depends on clothes. There is no denying that buying a good car can really enhance the image to a certain extent. However, if you blindly follow the trend to buy a car for the sake of face, it is completely undesirable.

1, repayment pressure:

I have to say that in today's society, being able to borrow money to buy a car is a manifestation of ability. But it's impossible not to pay back the borrowed money, right? Since I bought a car to save face, I believe I don't have much savings, and now I still owe a lot of debts. Oh, no, I may not be able to finish my ass. So don't you increase your financial burden? Although the car loan can be borrowed for three or even five years now, it has to be paid back every month in recent years. By the time the money you owe is paid off, the car has depreciated a lot.

2, car pressure:

You have to use it when you buy a car. Take a car of about 654.38+ 10,000. Insurance can't just pay strong insurance, can it? The weaker the financial ability, the more you should buy enough insurance, so that in case of any accident, you will not be unable to bear it. Then insurance costs three or four thousand a year. You have to refuel as soon as the car starts, and you have to pay tolls, maintenance fees, car wash fees, parking fees and so on. Does it cost at least 10 thousand yuan a year to keep a car?

3. Does buying a car really have face?

They are all from the same circle. Who doesn't know who Borrowing money to buy a car will not only get the approval of others, but will make people laugh and pretend to be forced. What's the use of leaving your car at home every day because of the pressure of car loan? Moreover, a person's temperament can not be improved by a car. Let's not talk about inner self-restraint. Simply from the external performance, dressing appropriately and spending power at ordinary times should match. It is impossible to lose face or even make others laugh by borrowing money to buy a car.

Hello, I'm a soldier watching the auto show. The consequences of blindly following the trend to buy a car mainly include the following aspects.

First, owing on the loan every month exceeds one's economic ability, which leads to the shortage of funds every month and the decline of life quality.

Second, the annual car maintenance cost is also a big expense, such as insurance, maintenance, oil and so on.

Third, if you blindly follow the trend, you don't just need it, which will cause the car to be idle for a long time, which will cause your own financial shortage and the decline of your quality of life, and will not bring you much convenience, so you have to try.

Anyway, you don't have to. You should consider whether it is worthwhile to buy a car loan. The car will depreciate when it is bought, not just needed, but seriously considered, thank you.

I believe everyone also saw on the internet that many people borrowed money to buy a car and could not afford the loan. Finally, they sold the car, and after selling it, some of them will continue to pay back. This is the result of following the trend, which makes their ordinary life much more stressful for no reason.

Here, it is still not recommended that you buy a car when economic conditions do not allow it. Not that you can't borrow money to buy a car. If you have a stable job and a stable income, there is no need to borrow money to buy a car. If you are an occasional good person or bad person, it is recommended to slow down.