Will you regret buying a car with a loan?

Looking back on the whole year of 20 19, none of the tasks I vowed to set at the beginning of the year were completed, my salary basically did not rise, and my savings basically did not exist. I only finished the task of "buying a car", but this has become my biggest regret this year. Because it is too easy to buy a car now, but it is easier to buy a car than to maintain it. The loan has not been repaid, and the car I bought with the down payment always feels that it is not my own, but now it is heavily in debt. I really regret it!

In fact, I planned to buy a car at the beginning of this year, and vowed to buy more than 65,438+10,000 cars this year. Buying a car has really become a family's just need, but at the beginning of the year I had a * * * 70,000 yuan. I don't want to buy a particularly cheap car, so I plan to buy one with a loan. Finally, I took a fancy to the famous map of Beijing Hyundai. 19' s famous map has a national bank version of the car at the beginning of the year, which is almost the cheapest mid-level car among joint venture brands. After two or three months of preferential treatment, the price was reduced to 26 thousand, so I decided to start.

Sales said that the full purchase discount was only 26,000, which could not be lower. If the loan is purchased, the discount can reach 28,000. I thought I wanted a loan to buy a car, so I readily accepted it. I don't have much cash on hand, so I chose the minimum down payment of 30%. After calculating the sales, we will pay 2650 yuan per month and pay it off in three years. I don't think it's too much. It's acceptable. The loan fee, mortgage and GPS installation fee is 4700 yuan. There are many risks of burglary and water-related insurance, and the commercial insurance part is 5254 yuan. The total down payment is 6 1 145 yuan, and it needs 156545 yuan after three years' repayment.

If you buy a car in full, the total price is about144 thousand, and the loan is about120 thousand more expensive than the full price. In fact, I also consulted many friends who borrowed money to buy a car. This price difference is normal. But the most deadly thing about buying a car with a loan is to make you feel that you have the ability to repay, and that the car that you didn't dare to look at before is now within reach, which is easy to cause people to spend impulsively.

Let's talk about the specific car experience of this car. First of all, the face is passable. At least Beijing Hyundai is a joint venture brand, and the famous picture is a mid-level car. The appearance and interior are passable, and the surface workmanship is good. At first, I was satisfied with the car experience, but I gradually found that the fuel consumption of this car is still relatively high. Driving on less congested roads, the average fuel consumption per 100 kilometers is about 65,438+00 liters, which is quite disappointing. I regret it every time I see the fuel consumption. If I buy a cheap car, it is estimated that the fuel consumption per 100 kilometers is six or seven liters, which may not hurt me so much.

The spatial performance and dynamic performance of the famous map are ok, and the same price is good, but the suspension and shock absorption are too hard. Driving on the national highway with pure road surface, the comfort is not bad, but as long as you walk on the bumpy road surface, you will be exposed immediately, and the suspension is particularly simple, and the comfort is greatly reduced. Moreover, in June 5438+065438+ 10, the knob of the air conditioner actually cracked itself. Is it because it's cold? I have to say that the workmanship of Korean cars really needs to be improved, and the new car that is less than one year old is really disappointing.

The overall economic environment is not good this year. After careful consideration recently, I still quit my present job and have no source of income for a short time. But the loan won't wait for you, and you are still urging you to repay the loan on time every month, and suddenly you feel that the burden on yourself is unbearable. I felt really ignorant at that time. If I had bought a 70,000-80,000 car, I would be at least debt-free now. It is tempting to borrow money to buy a car. It can really solve the urgent need, but if you have to pay back the borrowed money sooner or later, it is easy to get lost and overestimate your own strength. And what I regret most on 20 19 is that I bought an ungrateful car with a loan. I need to continue my life in the future, and I hope my life will improve in the coming year.

The above content comes from the real feelings of a car owner who bought a famous car with a loan, hoping to provide some help to friends who will buy a car with a loan. You are also welcome to comment in the comments section below, indicating that you will choose a loan to buy a car when the economic conditions are not mature.

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