How many times have you won the routine about buying a car?

When we go to 4S stores to buy a car, why do they always let you borrow money to buy a car? Because they borrow money to buy a car, their profit points are mainly as follows:

1, loan fee. The amount of loan fees is basically determined by yourself. You can try to bargain with them, whether it's good or not.

2. Prepaid interest. In fact, many manufacturers have provided us with zero-interest products, but when they arrive at the dealers, they may add some interest to let you pay in advance.

3.GPS fee, in fact, through the loan to buy a car, 4S shop has already got your car money, and your car is also bundled with theft and rescue. People in 4S shops don't care if your car is lost. What is important is that it is full of profits in this small locator.

4. Insurance rebate. For example, by renewing insurance, lock in the high premium for the second year. What else is there? Such as license fee, inspection fee, mortgage registration fee, etc. Actually, naked cars don't make money. We all know that we just hope that the 4S stores we face can be more sincere.

What are the costs of buying a car with a loan and a full car? Let's talk about buying a car in full. Let's start with a bare car price. After paying the money, the car is yours, plus insurance, purchase tax, travel tax and licensing fee, which is the landing price of your car. If I ask you for other expenses, it means that the sales have treated you like a sheep and are ready to attack you.

Finally, pay attention to this. The purchase tax is divided by the bare car price of the transaction 1 1.3 instead of the manufacturer's guide price. Many unscrupulous sales use information asymmetry to cheat you here, so you must know clearly before buying a car. Let's talk about buying a car with a loan. On the basis of buying a car in full, we will add two fees: mortgage fee and loan interest.

How to calculate the loan interest? It is the total price of the loan to buy a car MINUS the total price of the car, that is, the extra money you spend on the loan to buy a car, divided by the number of months of the loan. Many sales won't tell you this figure directly, just saying that you don't have to spend a few more money to confuse you by sharing the interest every month, so you must know how much the loan to buy a car is more than the full car.

In fact, many manufacturers now have interest-free loans. It is recommended to check before buying a car. If it is interest-free, the loan is only one mortgage fee more than the full amount. If other fees are required, such as GPS installation fee, renewal deposit, comprehensive service fee, delivery fee, etc. Being cheated is a small IQ or being ravaged is a big IQ.