Is it better to pay the full price or installment to buy a car?

If it is interest-free and fee-free, the loan is cost-effective. If nothing is exempt, it is a good deal.

If you have money, you can pay in full, and if you don't have money, you can take out a loan, unless you have money just to buy a car, and you have nothing to spare, you can choose to take out a loan to keep some funds for emergency use.

There may be short-term financial pressure on the full payment, but there is no worry about a one-time transaction.

Installment payment can alleviate financial pressure, but the procedures are cumbersome, proof of funds is required, and a guarantor is also required for those in other places. There is additional interest, and you have to pay the full insurance every year before you pay off the loan!

Of course, it's the full amount of the installment If you sell the car and the auto trade, you must pay the full amount of the insurance And it is also the place they designate A cent can not be cheap If you pay the full amount of the insurance, at least 20% less than the preferential policy, not to mention the preferential policy, the installment is general** rarely discounted.

If you have more money, it is better to pay in installments, and if you have less money, it is better to pay in full.

Let's take a look at why you need to installment if you have more money, first of all, if you have enough money, it must be that the installment advantage is greater than your full amount, and the full amount needs to be paid all at once. If we do the math, you can take a small part of the installment to pay for the fastest transaction, put into use, because the economy allows, you can use the rest of the money for other investments, which can completely offset the interest. The premise of this situation is that first of all, you have to actually have a lot of money, so there is no need to invest it in something that is bound to depreciate.

Another situation is that if you don't have enough money, the installment payment will only increase your financial burden, and the interest rate of the installment payment is already close to the loan shark. It's almost the same as a private microloan. Taking 20 cars as an example, the overpaid interest in the end is about 30,000 yuan.

After all, considering the installment, I must have bought a relatively high-end car. Therefore, its own economic strength and endurance are very important.

Then in both cases, of course, you also need to consider why you are buying a car and what kind of car you are buying. Different models, joint ventures made locally, will have policies for treating installments and full payments. Therefore, when buying a car, you should ask clearly what are the discounts for installment and full payment, or what subsidies there are, and then choose a situation that suits you.

I think it is better to buy a car in full or in installments, mainly depending on the car manufacturer or ** business, what kind of preferential policies are given? Because if the car manufacturer or the first businessman, the policy given is conducive to the loan, of course, it is better to buy with a loan, if the car manufacturer or the first businessman, the policy given is that the full payment is better, then the full purchase should be used. <>

First of all, let's talk about buying a car in full, this way of payment pressure will be relatively large, if you have enough funds in your hand, even if you buy a car in full, it will not have any impact on you, then buying a car in full may be cheaper, of course, this is also in the case of car manufacturers or businessmen, without giving any loan subsidies, if car manufacturers or businessmen give loan subsidies, then I think it is better to take out a loan, because at least the funds in your hands can be used to make other investments, It will make your capital utilization a little higher.

So let's talk about the loan, the loan is generally more than the full amount, there will be more service fees, this service fee is generally required by the bank to increase, in addition to many cars will now require the loan to buy a car to install VPS, the installation of this function is mainly to prevent the loss of the vehicle caused by the loss of the bank, so it will also increase the installation cost of VPS, in the case of the car manufacturer or the first business does not give any subsidies, the loan to buy a car will be more expensive than the full amount of the car, and the loan to buy a car will pay a part of the interest to the bank.

However, in the past two years, car manufacturers and merchants usually give loan subsidies, which are usually enough for your loan service fees and VPS installation costs, and many banks will give some very preferential policies to ** merchants, such as one year interest-free, or 18 months interest-free, or 24 months interest-free policy, so if you want to buy a vehicle, with the manufacturer's interest discount this marketing method, then I suggest that it is better to buy a car with a loan.

Hello, nowadays life needs, car loans are very common. The way to buy a car with a loan can be much more discounted, which is mainly reflected in the loan interest. The lower the interest, the less fees you pay and the more money you save.

Loan object: The borrower must be a permanent resident of the place where the lending bank is located and have full capacity for civil conduct.

Loan conditions: The borrower has a stable occupation and the ability to repay the principal and interest of the loan, and has good credit; A third party who can provide recognizable assets as collateral or pledge, or a third party with sufficient solvency can act as a guarantor to repay the principal and interest of the loan and bear joint and several liability.

Loan amount: The maximum loan amount is generally not more than 80% of the purchase price of the car.

Loan term: The term of auto consumer loans is generally 1-3 years, and the longest is not more than 5 years.

Loan interest rate: Uniformly set by the People's Bank of China.

Loan repayment method: You can choose the one-time principal and interest repayment method and the installment repayment method (equal principal and interest, equal principal).

The above is the relevant knowledge about car loans, if you urgently need money to borrow money to buy a car, it is recommended that you use a big platform. For example, Du Xiaoman Finance's money is spending, with a high loan amount, low interest rate, and fast lending, which does not affect the car buying process. Click the link to test credits.

Up to 200,000.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

The key depends on whether the money you leave in installments can earn more than the interest on the loan when the loan is paid off. It depends on whether your ability to make money is high.

Buying a car in full means paying all the money when you buy a car. It is generally believed that this is a kind of "local tyrant" behavior. One of the benefits of buying a car in full is that you don't have to worry about saving money to pay off your car debt every month.

At the same time, we will only choose the full amount if we can afford it, and we can effectively avoid excessive consumption. But there are also some drawbacks to buying a car in full. For example, if you can't enjoy it in advance, the cost of buying a car will accumulate for several years; You may spend all your savings on buying a car, and other activities will be a bit tight.

With the change of consumption concept, many people will choose to experience it in advance, so paying in installments will reduce the burden. This way you don't have to endure the pain of saving money, and you only need to pay back a little every month. The economic pressure is not so great, and you can invest your spare money; At the same time, you can also buy a higher-end car and return it slowly over time.

The disadvantage of installment is that it is easy to let your desire to buy infinitely expand, and the pressure of repayment in the later stage will be relatively large, and you will become a "car slave" if you are not careful. Whether it is paid in full or in installments depends mainly on whether there is money or not. If the cash flow is open, buying a car is only a small daily expense.

It is more convenient for you to choose to pay in full. First, the expenditure bill is clear, including the car price, purchase tax, insurance, and license fee. If it's a staging, it requires a lot of calculations, which is a bit nerve-wracking.

Secondly, everyone's attitude towards buying a car. If the car is only used as a means of transportation, and does not pursue the ultimate quality of the car, then the ** of the car is relatively low, and it is very convenient to pay in full. For those who stick to staging, the situation is more complicated.

Interest is paid in installments, which should be analyzed in conjunction with the specific brand. For example, a manufacturer of a private brand car only needs to consider the consumer's income and repay the loan on a monthly basis. This situation is very cost-effective.

However, in order to meet marketing needs, ordinary car dealers always use various preferential policies to attract customers, but in fact, the fees are ultimately returned in various forms, and the handling fee is reflected on the one hand, usually around 10%. At the same time, there will be additional conditions for installment payment at 4S stores. If you have to buy the insurance they provide, it will be more expensive; The spring answer will point to the equipment on the car, install the original car navigation, and so on.

Although the interest rate of bank loans is low, the procedures are cumbersome and the threshold is high. Therefore, it is more convenient to choose a credit card to repay in installments. Its loan speed is fast, no guarantee is required, and some preferential activities can be enjoyed in the policy.

Now, automakers will work with banks. Attract people to buy a car with zero down payment and no handling fees. Therefore, it is recommended that friends who want to pay in installments do not disclose the payment method first, and then have a clear understanding of the relevant policies and conditions after the negotiation is completed.

Finally, I personally think that it is better to pay in full if the financial conditions allow.

Summary. If the final payment is to be paid off, your interest will also be counted, and generally after the installment, the final payment is basically not allowed to be paid in one lump sum.

Hello, happy to answer your questions.

Hello friend, according to the question you provided, Hu Li is here to answer your kind of situation, I suggest that you pay the full amount, because if you want to installment, this has this interest. If you have this interest, it will be about 20,000 yuan for three years. If you have the money, pay it all at once.

If I pay in installments, can I pay the final payment in one lump sum?

If the final payment is to be paid off, your interest will also be counted, and generally after the installment, the final payment is basically not allowed to be paid in one lump sum.

Okay, got it, thank you.

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Okay, five stars. Ok thanks.