Nowadays, I buy a car with a lot of cash, and I still buy it like a house, and most of them have car

To buy a car, if you have enough funds, I personally think it is more cost-effective to buy it in cash, and you can also let 4S send more things.

There are three options for car loans, the first is to apply for a loan for you through the auto finance company of the 4S shop, the advantage of this loan is that it is fast and convenient, you can buy a car loan one-stop service, the materials required are not very demanding, and the loan plan is relatively flexible. The disadvantage is that the loan interest rate is high, and the vehicle is basically not preferential, even if there is an activity with 0 interest rate, it is also on the basis of canceling the original vehicle ***, and in the end it is still a loss. The second is to pay in installments by credit card, which is now a more commonly used loan car purchase program, by providing some materials to the bank for a special credit card and a one-time payment of handling fees, no interest rate, the vehicle can be guaranteed to purchase.

The disadvantage is that there are restrictions on the price of the car model, but most of the commonly used models can be selected. The third is the bank car loan, the bank car loan is now not a personal loan, you need to apply for a loan through the intermediary guarantee agency introduced by the bank, and submit relevant supporting materials, the loan interest rate changes with the national interest rate adjustment, and you also need to pay the intermediary guarantee fee, but you can also get the vehicle ** discount, the disadvantage is that the procedures are complicated. If you have enough funds, you can buy in full, so that the discount is generally the largest.

If you have enough money, it is cost-effective to buy the full amount in cash.

OK.

Young people should budget for their own money before buying a house and don't spend all their savings on buying a house. In addition to paying the house payment, when buying a house, you also need to pay the maintenance funds and other expenses of the house, if you need to move in immediately, you also need to decorate the house, purchase furniture, household appliances, etc.

It is suggested that users should try to pay attention to the volume of the house rather than the area, after all, the net height of the house can be made of a split-level structure, and the effect is often "very comfortable", which will give full play to the development trend of small houses and large spaces, and also avoid the problem of area waste in many houses.

Precautions for buying a house in full.

Faster. If you are ready to buy an off-plan house, you must go to the site from time to time, chat with the construction master, set some information, and pay attention to check some details such as the façade and materials of the real estate. At the same time, pay attention to the developer's capital operation, real estate construction cycle, etc.

Taking a house with a full payment of 600,000 yuan as an example, the current mortgage interest rate of the bank's first house.

is in the benchmark rate.

On the basis of the floating 10%, the closed branch balance is the same, but there are also individual cases with a higher proportion of floating.

You can take a lot of cash to buy a car, buy a house, but it's not safe to pretend to be a mess, if you take a lot of cash to buy a car, it's okay, let you buy a house, then she will encounter a lot of problems in the hall, such as a lot of bad money or something, who belongs to what? How to resurrect and how to get it?

Hello! You can use the cash to buy a car and a house, which is of course a good feeling.

Yes, no institution can refuse to accept RMB.

Summary. Those who have a deposit are more wealthy.

Those who have a deposit are more wealthy.

It's too hard to save money now.

In the past, everyone laughed at the Moonlight Clan, but now everyone is a Moonlight Clan.

Take out a loan to buy a house and a car, and it seems that everything you should have.

But the monthly loan weighed down like a stone in my heart.

A person with an old limb with a down payment of 200,000 yuan in 2019 and a return to buy a house loan for 30 years + a down payment of 100,000 yuan in 2023 to buy a car of about 330,000 yuan can the two people earn 10,000 yuan a month, and the second is a rich person.

Dear, it's hard to define whether you're rich or not, and everyone has different standards.

Loan for thirty years, the interest is terrifying.

But if the relationship between the two is stable and loving, although there is pressure to repay, but they have everything, then they are rich.

If they are overwhelmed by loans and feel that their quality of life is affected, they are not considered rich.

The child's grandmother takes a woman to work two jobs and is reluctant to go out to eat unless the family has a birthday, do you say it affects the quality of life.

So I don't need to say the answer, do you think it's a rich man?

Maybe in the eyes of others, RVs have it.

But those sadness are clear to themselves.

This is the case in many families now.

In debt.

Children's education, car loans, and housing loans.

It's breathless, and it's all gritting your teeth and persevering.

A 32-year-old man with a wife, children, a house, a car, three working excavators, and 400,000 yuan in savings is a rich man.

In my opinion, it is rich people.

Is it richer than a down payment to buy a car and a house.

Be. Money is used very quickly nowadays, and it is important to have an emergency deposit.

I'll open my heart to you.

I also just graduated not long ago.

Internship in a hospital.

I've seen many realistic things.

A family of four has a 100-square-meter bridge key rock house, a down payment of 200,000 yuan in 2019, a house loan, 30 years of bright hunger + a down payment of 100,000 yuan in 2023, a car of about 330,000 yuan, and the two of them can earn 10,000 yuan a month, is this a rich person.

A 32-year-old man with a wife, children, a house, a car, three working excavators, and 400,000 yuan in savings is a rich man.

You may be feeling so stressed that you can't breathe, and you need to talk to a stranger at night.

I'm not you, and I don't say words of comfort and sympathy, because I'm not much better myself.

But you have lovely children.

I also see in you my own parents, who may have been so stressed that they couldn't sleep in the middle of the night, but there was no one to share with them.

Dear, whether he has money or not does not need to prove to others, as long as he feels that he has enough in his heart, he is a rich person.

For many friends who need to buy a car, many people will give priority to choosing an installment loan to buy a car, because this allows them to enjoy the results of consumption in advance, and buyers only need to pay in installments after that. If a person has good enough financial conditions, I personally recommend that everyone buy a car in full, and there is no need for everyone to pay additional loan interest.

1. Loans to buy cars have almost become a common phenomenon.

We can think of taking out a loan to buy a car as a pre-emptive purchase.

One of the forms, because such ** is generally more expensive, it also needs at least 100,000 yuan to start, and many people can't get so much money for a while, so they will choose to buy a car through a loan. When we go to the 4S store to buy a car, the staff of the 4S store will also give priority to recommending us to buy a car with a loan, because they can get more commission. <>

This principle is actually very simple, the loan to buy a car itself needs to pay an annualized 10% 15% comprehensive interest, which means that we need to pay more for the car. If the cost of our vehicle is exactly 100,000 yuan, when we take out a loan for 24 installments, the amount we need to pay in the end is more than 120,000 yuan, and the extra 20,000 yuan is the interest of the loan and the rebate of the 4S store. <>

3. I personally do not recommend everyone to take out a loan to buy a car.

Buying a car with a loan has almost become a sales routine for 4S stores, because many 4S stores will work with loan companies.

cooperation, so they will get an additional profit from the sale in this way. For those who have financial strength, it is best to buy a car in full when you buy a car. Some people may think that this is a waste of money, but in fact, the money we take out to buy a car needs to be repaid after all, and the car buying itself is a pure consumption behavior, and there is no need to deliberately control your cash flow because of the car buying behavior.

Yes, because there will be a handling fee when taking out a loan, and there will be interest on the loan, when you apply for a loan, you have to go through several people, and these people who handle it all have commissions, and this increase is generally from the buyer.

Because the loan to buy a car needs to pay interest, and the bank will also charge some handling fees when applying for a mountain loan, which will be a lot more money than buying a car in full.

Buying a car with a loan will not cost a lot of moneyMost people are faced with two choices when buying a car, buying a car in full and buying a car with a loan.

Nowadays, when people buy a house or a car, in my opinion, they have to take out more loans than pay the full amount, because the house price is set according to the income of the place, and it is difficult for ordinary people to pay this price, which requires decades of work to earn.