How to buy a car without spending money, how to buy a car without money How to buy a car without mon

Go play grab a parking space and get it away now.

1.Car stagingCar installment is very simple, as long as you have a credit card and pay a certain down payment, the down payment ratio is generally 30%, you can buy a car immediately. All major banks have their own car installments, and on the whole, the Agricultural Bank of China, Bank of China, and ICBC have preferential car installment fees, while the China Construction Bank and China Merchants Bank have low car installment application thresholds.

2.Auto Finance Company Loans

In addition to car installments, finding a loan from an auto finance company is also a very good way to buy a car without money. Some well-known car brands such as Volkswagen, Toyota, Ford, etc., have their own auto finance company loans. Auto finance company loans are very flexible, and borrowers can freely choose the down payment, repayment method, etc.; However, there are restrictions on the types of cars that can be purchased by auto finance companies, and there are also handling fees.

3.Bank car loansThe above two methods of buying a car without money have one thing in common, that is, there are restrictions on the model, the former can only choose the bank cooperation model, and the latter can only choose a certain brand of model. If you want to shop around, you may want to choose a bank car loan.

Bank car loans generally have a high amount and a long term, as long as you have a stable income and good credit, you can apply, and the more other assets you prove, the higher the loan amount.

Now there are more and more people buying cars in life, and most people who buy cars are for convenience, but cars are consumables, so I will calculate with you how much does a car cost more than 100,000 yuan a year?

The following is the ** table of gasoline in various places in 2018, although the country said that the price of gasoline should be adjusted, but from the recent months it seems that it is on the rise, considering the consumption power of the Chinese people, ordinary people may buy a car at around 100,000 yuan, so we will take 100,000 yuan of family economic cars as an example. First of all, let's look at fuel consumption, let's say I drive a compact car with 100,000 leftists trapped on the right, with an average fuel consumption of 8 liters per 100 kilometers.

And the price of oil is taken as a whole number of 7 yuan a liter, not counting some gasoline ** can be more than 7 yuan a liter, so it will cost about 7 yuan to calculate a kilometer! Let's run 10,000 kilometers a year! In a year, the cost of light oil cost 10,000* yuan.

Then calculate that the fuel cost per month is 6000 12=500 yuan. 20,000 kilometers is 1,000 yuan per month, so the average monthly money spent on fuel is about 1,000 yuan!

The cost of insurance. Compulsory traffic insurance is mandatory for the state to purchase, and it costs 950 yuan a year. In addition to compulsory traffic insurance, we also have to insure our cars, which range from 4,000 yuan to 6,000 yuan a year.

Finally, there is liability insurance, which is about 1,000 yuan a year. Therefore, the insurance premium we have to pay for our car is about 7,000 yuan a year, and the average monthly premium is 500 yuan.

At the same time, the vehicle of 100,000 yuan also includes about 1,000 yuan of car damage insurance; Personnel insurance on the car, theft insurance 300 yuan, glass breakage insurance and scratch insurance 400 yuan; The above projects are in Liangxian Prefecture, plus excluding deductibles, with a total of about 4,000 yuan. Therefore, if the car has some accidents, the insurance money has to be increased.

**。Parking fees.

With the increase in car ownership, free parking has become more and more difficult. Therefore, the parking fee has gradually become part of our annual car maintenance cost, if you work in a first-tier city and drive for daily commuting, then the cost of a fixed parking space per month will be at least 1200 yuan per month.

Traffic violations. Usually, 2-3 fines for violations are more common in a year, and it costs about 600 yuan.

Maintenance Car wash fee.

Car washing is also an indispensable item in daily life, even if the average is only a month to wash the car, each car wash costs 30 yuan to calculate, then it also needs to spend 360 yuan a year to wash the car, a year almost has to spend 2000 yuan, some tyrants also like to maintain their cars, then I don't know how much it costs. If you take a taxi and take the subway bus, I calculated it myself, and it is about 3,000 a year, if you don't have a family, it is not recommended to buy a car, unless you are rich.

<> "1. How to get the lowest naked car price?

1.Communicate with the sales consultant that the model configuration has been optimistic about the reserve price, and the bottom price has been understood, and the shop is shopping around which one is cheaper!

Release the booking signal to the sales consultant: whether there is an existing car, what color is the current car, and when can the car be picked up.

How much to pay the deposit and whether you can book it today depends on the strength of today's discount.

3.Leave room for it: bring your family or friends to buy a car, and in case you are not satisfied, you can push the excuse of not booking today.

4.There is no current car shooting: try to go to the 4S store with a rough first car, the discount will be relatively large, if there is no current car, the booking cycle is long, and the discount may be small.

5.Payment method: Actively imply that you can do a mortgage, because the mortgage has a commission, after understanding the reserve price, and then decide whether to mortgage according to your actual situation.

The cost of purchasing a car.

1.Full purchase of a car: naked car price, purchase tax, insurance, license fee 2The algorithm of the purchase tax: the price of the naked car after the discount, not the guide price.

3.Loan to buy a car: naked car price, purchase tax, insurance, license fee, loan handling fee.

4.Fees that can be waived: comprehensive service fee and stool envy, PDI testing fee, delivery fee, GPS fee, renewal deposit.

What giveaways are practical.

Before signing the contract, it is necessary to negotiate, and the details of the gift should be written in the contract: the whole car film, floor mat, driving recorder, fuel card, maintenance coupon, working hour coupon.