What is the difference between a full length car and a mortgage car, which one is more cost effectiv

Buying a car in full and buying a car with a loan are the same, but there will be a difference, there will be some handling fees, insurance must be in accordance with 4s, if there are funds, it is recommended to pay in full.

Relatively speaking, it is easier to buy a car in full, and it can be done all at once. Buying a car with a mortgage requires going through procedures, repayment, and interest and handling fees, so if you are not short of money, it is recommended to buy it in full.

Buying a car in full is more cost-effective than buying a car with a mortgage, and there is interest and handling fee for buying a car with a mortgage, which is not cost-effective.

Of course, it is still cost-effective in full, the discount will be greater, and the mortgage also needs to be paid by the buyer.

Hello, buying a car with a mortgage is buying a car in installments, and it costs more fees, such as handling fees, interest, etc., if the funds are sufficient, it is recommended to pay in full.

Hello, of course, it is more cost-effective to buy a car or a full car, and generally the loan car will cost about 5000 more than the full car.

Hello, If you have enough money, it is more cost-effective to buy a car in full, and the procedure is relatively simple.

If you buy a car, you have a vehicle registration certificate. If you pay in full, the registration form will be given to you personally, and if you have a mortgage, the registration form will be pressed on the financial company or bank where you made the mortgage.

You can buy car insurance in full, and if you mortgage a car, the insurance is generally how much the car dealer has to buy

If the funds are sufficient, it is recommended to buy a new second-hand car with 8% in full, because the mortgage car pays the monthly payment every month, and it will be on the credit report if you forget it, and now the car is depreciating quickly.

There are handling fees and interest on the mortgage car, as well as positioning fees, and the insurance must be at least two years in the 4S store, or full insurance. So it's cheaper to pay in full.

If you don't have a budget or need it from time to time, consider installments. If you have a good budget, you will consider the full amount. There is no problem with buying a car in full** more than 10,000 cheaper than buying a car in installments.

Hello, if the budget is sufficient, it is recommended that you still pay in full, and the full price of buying a car is 4,000 to 5,000 yuan cheaper than a loan.

Hello, buying a car in full and buying a car with a loan will definitely be different in the end, and the loan has a handling fee, GPS positioning fee, etc.

It's good to buy a car in full. Usually, buying a car in full means paying all the costs at once.

Usually need to pay the naked car **, purchase tax, license fees, and insurance, after paying the fee is not necessarily able to get the car immediately, sometimes it takes a long time to get the car, the advantage of buying a car in full is that the funds are paid in a lump sum, there is no follow-up fee, each fee is also more open and transparent, generally for people with financial ability will choose to buy a car in full.

The cost of taking out a loan to buy a car is higher than the full amount, and you have to repay it every month according to the requirements, if you don't repay it on time, you will be on the credit blacklist, and when you choose to buy a car, you can save a lot of costs in full. At the same time, the procedures for taking out a loan to buy a car are also more troublesome, and it also needs to be approved, and it also takes some time to disburse the loan.

If you have enough money to buy a car, it is naturally better to buy the car in full, so that we do not have to pay the interest on the loan, which makes the total cost lower. If we don't have enough cash, we have to take out a mortgage, after all, the act of buying a car will not affect our daily lives. However, if we choose to take a mortgage, we must fully assess our ability to repay and do not buy a car impulsively.

If the budget is sufficient, it is recommended to choose the full amount. For those with a limited budget, it is also possible to buy a car with a mortgage, but the additional cost will be much higher. As for which type of car purchase method to choose, it should still be based on your actual situation.

However, it is worth noting that you must not be fat in the face of the public when buying a car with a mortgage, otherwise the follow-up car loan repayment will overwhelm you.

First of all, you don't have to think so much about the problem of whether you are in a tight position, because since you choose to buy a car, you must have enough money on hand to buy it in full, which can be ignored. In the 4S store, the sales will often kindly tell you the benefits of buying a car with a mortgage and recommend you to buy a car with a mortgage, at this time, many people will be told to change their original ideas, in fact, this is the way of the 4S store, they just want you to mortgage.

Why are many car owners persuaded to take a mortgage? Because they are simple ideas but in terms of the benefits of sales, they don't look far, which is often a novice driver. For old drivers, they will not be moved, they often choose to buy a car in full, because the procedures will be very complicated to buy at one time.

First of all, mortgage to buy a car, there will definitely be a lot of annoying procedures to go through in the follow-up, every time you repay, you need to go through it once, and the above charges are not clear, which is a lot of sales can be used internally to persuade you not to care about the trouble and choose a mortgage. The cost of time is often more important than whether you are nervous or not, so if you can buy a car in full, you must not take a mortgage.

Buying a car with a mortgage will involve a lot of banking business in the later stage, and you know how troublesome it is.

In addition, the mortgage to buy a car also needs to charge a handling fee, and the current manufacturers will give some two-year or three-year interest-free policies, but also stipulate that you can only borrow as much as you want, then you still need to repay the interest later, don't think that only a few thousand yuan of handling fees is enough.

Finally, if you don't care about the money, and you can make more money in the future, you don't need to think about these problems, and it is better to get a direct mortgage, but if you are an impetuous person, you must not take a mortgage, for the sake of money and time, choose to get it all at once.

It's good to buy a car in full.

If conditions permit, try to choose to buy a car in full and pay it off at one time, without worries, worry-free, and save a lot of interest money compared with the mortgage.

The cost of buying a car with a mortgage is higher than the full payment, and if the budget is sufficient, it is still more cost-effective to choose the full payment. Of course, some people need cash flow, or they are really tight on hand, and they need to use the car in a hurry, and they can choose to buy a car with a mortgage. After choosing a mortgage to buy a car, you have to repay the loan every month according to the requirements, if you don't repay on time, you will be on the credit blacklist, which is more than worth the loss.

And when choosing to buy a car, you can save a lot of money by paying the full amount. In addition to the full payment, if you choose the right time to buy a car, you will get a lot of discounts. The manufacturer's assessment of the 4S store generally appears in the middle of the year or at the end of the year, so it will be lower to buy it in May or December.

However, due to the chaos of the installment market, there are several ways such as credit cards, bank installments, auto finance, guarantee companies, financial company loans, etc., and different ways will have different procedures and fees, so when signing a contract, consumers do not pay attention to the details of the contract, and there are many unfavorable terms for consumers, which is why many people regret taking out loans to buy cars.

Buying a car in full is to give all the cars at once. The mortgage is to apply for a loan to buy a car through auto finance companies, banks and other institutions. For consumers, buying a car with a mortgage requires a lot more procedures than buying a car in full.

In addition, you will have to pay additional fees such as interest, processing fees, etc.

So it is recommended:If you have enough money, it is still more cost-effective to buy a car in full.

Whether it is better to buy a car with a mortgage or full payment depends on your own financial situation.

1. If the financial situation allows, the full payment is more cost-effective than the mortgage.

According to my own experience in buying a car, a mortgage loan to buy a car is the most recommended way for salespeople, and of course it must be linked to their interests. The interest on mortgage loans is generally not low, extremely not cost-effective, I originally wanted to pay the full amount of the car, but I was fooled by the salesman, the loan is 50,000, the interest is almost 7,000 in 3 years, and the cost of buying insurance is higher than paying the full amount. Later, I didn't want to take out a loan, and the other party said that I would give more than 1,000 liquidated damages, so I had no choice but to take out a mortgage.

Not only that, but it is also more troublesome to go through the procedures for buying a car. In contrast, if the economic situation is better, it is more economical to buy a car in full than to buy a car with a mortgage.

Second, if the economy is not well-off, choosing to buy a car with a mortgage can alleviate the financial pressure.

As a basic means of transportation, the car is very necessary. If you don't have enough money to pay for your favorite car and you have to buy a car, a mortgage is the most reasonable way. On the one hand, it can meet the needs of consumers to buy cars; On the other hand, it can also relieve the financial pressure on consumers.

Kill two birds with one stone. In short, choosing to buy a car with full payment or mortgage has a lot to do with your financial situation. If you have better financial strength, it is more affordable to choose the full payment than the mortgage. If you don't have enough money, it's best to choose a mortgage payment method.

It's good to buy a car in full. Chinese people don't like to be in debt, so they have developed the habit of paying their bills in full, but for young people, they have begun to get used to using installment shopping. On the one hand, it helps us to enjoy material life in advance, and on the other hand, it can make money more valuable.

At present, the vast majority of financial lending institutions only charge interest and do not charge handling fees, so the handling fees charged by 4S stores are only a means of profit in the store. In addition, some 4S stores will also force users to purchase all vehicle commercial insurance including theft insurance during the loan period, which is a good explanation for why the loan will be more preferential than the full amount.

Advantages of buying a car in full:1. One-time payment, no worries, worry-free.

2. You don't have to repay the loan every month, and buying a car in full can save a lot of money than buying a car with a loan.

3. You can freely choose commercial insurance.

Disadvantages of buying a car in full:1. A large amount of funds are spent, and if you encounter an urgent need for money, there will be a poor turnover.

2. Money has become a car and directly enters the depreciation cycle.

Loan to buy a car: Loan to buy a car to buy insurance in a 4S store, repay the premium, interest handling fees and other payments, a loan to buy a car is much more expensive than the full amount, so the sales consultant will be more inclined to recommend a loan to buy a car, so that the more commission earned from sales, and early repayment is considered a default. 2.

Buying a car plan: If you buy a car, it is best to list each expense at a glance in a comparison, and now the market competition is relatively large, and the preferential margin is also very attractive, so don't take out a loan if you can pay in full.

Looking at the spending power, it is definitely cost-effective to buy a car in full. For example, if we buy a car of 150,000 yuan, it is calculated according to the way of buying a car with a loan: pay 10,000 yuan, loan 10,000 yuan, loan for 3 years, monthly payment:

3240 yuan. The total cost of buying a car with a loan for three years: 10,000 yuan (down payment) + 3240 (monthly payment) 36 (month) + 3,000 yuan (handling fee) + 7,000 yuan 3 years (insurance) = 10,000 yuan.

The total cost of buying a car in full for three years: 150,000 yuan (car model) + 7,000 yuan 3 years (insurance) = 10,000 yuan. It can be seen from this that it is not difficult to see that in terms of cost, buying a car in full is still saving you a sum of money, and for friends whose economic conditions are not very good, in fact, it is more suitable to buy a car with a loan, we don't need to say that we will buy it when we make enough money.

Whether you buy a car in full or take out a loan to buy a car, you should pay attention to the fact that the "deposit" is refundable and the "deposit" is non-refundable. When buying a car in reality, the so-called "deposit" and "deposit" money are now played in the car market.

Compared with previous years, the environment of the automobile market is constantly moving towards formalization, and not long ago the state also announced the policy of "three guarantees for automobiles". However, as a first-time car buyer, there are still many questions to pay attention to. In the face of the problem of deposit, we must ask the sales staff how to handle the refund procedures, because now many merchants can cut the queue to pick up the car if they add money.

Millions of car purchase subsidies.

Looking at the spending power, it is definitely cost-effective to buy a car in full. For example, if we buy a car for 150,000 yuan, it is calculated according to the way of buying a car with a loan: 10,000, 10,000, 3 years, 3,240 yuan per month.

The total cost of buying a car for three years with a loan: 45,000 yuan (down payment) + 3,240 yuan (monthly payment) 36 yuan + 3,000 yuan (handling fee) + 7,000 yuan 3 years (insurance) = 185,640 yuan. The total cost of buying a car in full for three years:

150,000 yuan (car model) + 7,000 yuan 3 years (insurance) = 10,000 yuan.

From this, it is not difficult to see that in terms of expenses, buying a car in full can save you a lot of money, but for friends with poor economic conditions, it is actually more suitable to take out a loan to buy a car. We don't need to say that we have to wait until we make enough money to buy, become a car owner in advance, and enjoy it in advance is also a kind of enjoyment.

Whether you buy a car in full or take out a loan to buy a car, you must pay attention when signing the contract: you can refund the "fixed" money, but you can't refund the "fixed" money. Buying a car in reality, we are now playing word games of "deposit" and "deposit" in the car market.

Compared with previous years, the environment of the automotive rubber ridge market is becoming more and more formal. Not long ago, the state also announced the "three guarantees for automobiles" policy. But as a first-time car buyer, there are still many issues to be aware of.

Faced with the deposit problem, be sure to ask the sales staff how to handle the refund procedures, because now many merchants can cut the queue to pick up the car with additional money.

Bailiang infiltrates 10,000 car purchase subsidies.