It is difficult to buy a BMW in full. Why doesn't 4s shop like the owner's full payment?

Buying a car in full in a 4s shop doesn't seem to be a particularly good customer, because he likes you to buy a car in installments, so that he can earn more money to buy a car in full. Although he has his own profit margin, it is far less than installment payment. To put it figuratively, it is installment payment. One car can earn the full amount, and the profits of two cars are even more.

Buying a car in full is the price of the car. You pay the full price directly, for example, if you buy a BMW. 800,000 yuan, you directly transfer the money to their company account, and the debt relationship between you will be clear. The ownership of this car is entirely yours, not related to the bank. Because money is your own money, you don't need to pay any interest, so 4s stores have no room for operation in this respect. After receiving your money, this car has no place to operate, so its profit-making link is over.

But it's different if you pay by installment. Generally, you pay 30% down, or 40% or 60% up and down. If you want to pay in installments, it's the same as buying a house. Of course, installment payment can't be paid for nothing. There must be benefits. 4s stores will share some of this benefit. Don't underestimate this interest. It may be 800 thousand when you buy it in full, but you can't afford to pay 900 thousand in installments because. 4s shop is to make money, otherwise, why should people buy you a car by stages? This is all their profit margin.

From the perspective of a 4s shop, customers who can make him more money are certainly welcome. Similarly, selling cars by stages can earn 200,000 yuan, and the full amount can only earn 654.38+0.5 million yuan. Of course, he likes those who pay by installment, and in most cases, he will give you advice, that is, let you pay by installment, because the price of this car may be slightly higher, and he will tell you various reasons, such as reducing your repayment pressure.