There are many ways to borrow money to buy a car. Don't fall into these pits.

There are many ways to buy a car with a loan. Don't fall into these pits!

When we buy a car, it is often impossible to buy a car in full. When the capital turnover is not good or there is not enough money to buy a car, it is more convenient to rely on loans. However, once you enter the 4S store, all kinds of preferential gimmicks and sales interfere with judgment. As a result, when I paid for the car, I randomly chose a loan. In the end, this kind of loan satisfied the sales, but where did I regret it? So let's talk about the pit of buying a car with a loan today. Don't get caught up in buying a car.

Sometimes buyers will find that the price of naked cars with loans is cheaper than that of full cars, but don't just focus on one point. You only saw the price of the car, but did you see all the expenses such as the handling fee of the loan and the insurance of the bundled sale? In this way, even a car with low interest rate or zero interest rate still has to pay a higher price than buying a car in full.

There is a lot of knowledge about buying a car with a loan. With so many loans now, what loan is better? The low interest rate of bank loans is indeed more reliable, but it requires a high down payment and the approval is too troublesome. The most realistic problem of auto financing loan with low loan threshold is high interest rate. Even if it is an interest-free loan, there are many handling fees. Credit card installment payment requires the buyer to have a certain credit accumulation. If there is no way to repay in time, it may affect personal credit information.

The last thing to say is that the loan mentioned above must be bundled. Not only are there many useless insurances that have to be bought, but there are also so-called "big gift packages". If you buy a car with a loan from a 4S shop, the merchant will ask for thousands more car accessories with worrying quality, and it is obviously much cheaper to buy these car accessories outside and find a shop to install them yourself. So if you are tough, you should refuse to attach conditions to these loans.

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