The loan starts from Nissan Teana, and the total landing price is 6000 yuan more expensive than the full amount. Is it a pit?

Recently, a friend around me likes to mention Nissan Teana, has always opposed the loan to buy a car, and finally chose a loan. This surprised me. Although the loan to buy a car can solve the urgent need at that time, it is easy to cause impulsive consumption, which makes the repayment pressure in the later period huge. And the loan to buy a car has to pay the corresponding handling fee and interest. This friend always thinks that he can buy as many cars as he can. It is normal to borrow money to buy a house, because the house is a major event in China people's life. Buying a car is insignificant compared with buying a house, and buying a house with a loan is not worth the candle.

However, I bought a car with the mentality of picking up the car in full. Finally, after a brainwashing of sales, I think it seems more cost-effective to borrow money to buy a car. The actual loan to buy a car is indeed much more expensive than buying a car in full. He calculated carefully and overpaid about 6000 yuan. So he ran over and asked me if I had been cheated. Have you been cheated? Let's analyze this friend's car list first.

This friend finally started with Teana 2.0 Zhixing Edition, with a discount of 27,000, but the price of the white car was increased by 2,000, and the actual car price was174,800. Subsequently, sales listed three loan methods. The first way is an interest-free loan of 80,000 yuan, which will be paid off in three years. In the second way, 80,000 yuan interest-free loan, 20,000 yuan interest-bearing loan and 65,438+10,000 yuan * * loan will be paid off in three years. The third loan method, interest-free loan 1 10000 yuan, must be paid off within two years. Of the three loan methods, the first two are about 3,000 yuan, and the third one is a little more than 3,000 yuan because of the large loan amount, but applying for sales again means that 3,300 yuan should be available.

In addition, theft and emergency rescue must be insured, and 800 yuan must be listed in the store. Seeing such loan details, he has been pursuing a full car purchase, and he actually got a little excited. It is acceptable to borrow 80 thousand for three years and spend 4000 more. However, considering borrowing a little more, the charges are the same anyway, and I want to choose the latter two. Finally, considering the pressure of monthly supply for two years, the second loan method was chosen in a compromise.

The loan to buy a car offers a discount of 27,000, and the full car discount is only cut by 26,000. The loan fee for buying a car is 3,000 yuan, the anti-theft insurance is 500 yuan, the license fee is 500 yuan, and the loan interest is 3,000 yuan. The total * * * is 7,000 yuan, and the preferential loan to buy a car is 1000 yuan, so the actual loan to buy a car is 6,000 yuan. Now this friend has just paid back the loan for two months, and he feels that he has to pay it back every month. He is very unhappy. Does he feel that the loan to buy a car is a loss?

In fact, personally, whether it is appropriate to buy a car with a loan depends entirely on your total landing price. Buying a car with a landing area of 200,000 yuan, the loan amount is 6,543,800 yuan, and the total loan cost is less than 6,543,800 yuan. In fact, it is quite normal. Although the various handling fees are unclear, they have basically become the hidden rules of the industry. If you don't repay someone else's loan, you won't sell it to you. Nothing you can do can stop it.

For those who are conservative and pursue safety, they have plenty of money to buy a car and don't invest much. Such people actually suggest that you buy a car in full, without debt, and live a good life after buying it. If you save the money you borrowed to buy a car, you can use it to do business or invest to earn more profits, or you need some liquidity for work reasons, in this case, it is definitely more cost-effective to borrow money to buy a car. However, we must make clear the difference between buying a car with a loan and buying a car in full. It is normal for each loan to exceed 654.38 million yuan. Of course, the lower the comprehensive interest rate, the better. You can shop around when choosing a loan. At this time, the price of naked cars is no longer important, and the landing price is the most valuable key.

The above content is pony's personal opinion, hoping to help you. You are also welcome to comment in the comment area below, and talk about the loan of 65438+ 10,000 to buy a 200,000 car. What is the most expensive loan you can accept?

This article comes from car home, the author of the car manufacturer, and does not represent car home's position.