But the way they buy cars is very different. Some people buy cars in full, and many people borrow money to buy cars. In recent years, luxury cars have been bought by 1% down payment. The down payment is often only tens of thousands or even zero, and the repayment period is as long as 48 or even 60 periods. Although everyone buys luxury cars, the latter is often considered as "non-mainstream". Spending a small down payment and paying a higher interest to buy a luxury car is considered by some people to be a waste of effort and will not settle accounts. Down payment 10% is actually a financial leasing model. Different from the general traditional loan model, during the contract period, the car is not in the name of the individual, and it can only be transferred to its own name after the repayment is completed. This car is not its own. ?
However, many car owners who bought cars through 1% down payment and 0% down payment do not agree. In April this year, Mr. Zhang, who is engaged in building materials business in Nanjing, bought a Mercedes-Benz E-Class through the down payment of Ping An Car Manager. 2020 E260L。 "Usually you need to drive when doing business, mainly in the Yangtze River Delta, so it is more convenient to have a better car," Mr. Zhang said.
"Although I am a businessman, I am far less powerful than those big bosses. Four or five hundred thousand dollars is quite a lot for me. If I buy a car in full, the working capital will be occupied by a considerable part. " Mr. Zhang chose the 0 down payment method of Ping An Car Manager to buy a car, and the saved funds can continue to be invested in business turnover. ?
Teacher Zhang has different views on some questionable views. ? "First of all, buying a luxury car really helps to talk about business. At least when you go to construction sites and factories, others will pay more attention. Moreover, no one will come up and ask you how to buy a car, whether it is full or loan. People with enough money will certainly not buy such a car, but people like me have real needs, not vanity, "Mr. Zhang said." "
When actually buying a car, whether the down payment is 0 or down payment 1%, there is indeed a case where the interest is higher than the general loan. In this regard, the staff of Ping An Car Manager said that compared with the traditional loan to buy a car, the rental interest is relatively high. Take Ping An Car Manager as an example. Compared with 4S stores, Ping An Car Butler has a lower down payment, and the longest repayment period can reach 60 periods. Because of the long repayment period, the pressure of customer down payment and monthly payment is relatively small. Generally, the down payment of 4S shops needs at least 30%, and the purchase tax, insurance, licensing fees, installment services and other expenses need to be paid extra. The real car down payment often far exceeds 30% of the bare car price, which will take up more funds.
In addition, considering the factors of inflation and return on investment, Ping An Car Manager has a low down payment and a long repayment period. As long as he pays a fixed monthly rent, the repayment pressure is small, the extra funds can be used for investment or wealth management, and the reasonable operating income will even cover interest.
Mr. Zhang just saved more money for business turnover and covered the cost with the money earned from business. And Mr. Zhang admits that if you buy a car in full, you may not have enough money to do business. 1% down payment is more like a balancer for both business and car demand.
Miss Xu, who is engaged in the catering service industry in Zhengzhou, feels the same way. Before, because the restaurant was closed, the funds were tight. But I want to buy a better car to drive, and the whole restaurant will be difficult to maintain. "It is not illegal to drive a luxury car. I can also pay the monthly rent through normal restaurant operation, "said Miss Xu. "Some people like to buy a car after earning enough money, but some people are more optimistic about life and feel more hopeful. They are willing to buy a car with a down payment of 1%. Everyone's ruler is different, so you can't measure others with your own ruler at will. Evaluating the way to buy a car is like evaluating a family's clothes. Besides beautiful appearance, it is more important to be comfortable to wear. For me now, 1% down payment is a beautiful and comfortable dress. "
The appearance of 1% down payment method meets the diversified car purchase needs of users. Just like the "non-mainstream" loan car purchase in the past, it has almost become the most mainstream car purchase method. With the diversification of user needs, 1% down payment is more suitable for users with specific needs than full payment and loan to buy a car.
40% off the safe car management, the second luxury car is coming.
Although the total cost is slightly higher, on the whole, 1% down payment still has many advantages. The down payment of Ping An Car Butler products is as low as 0%, which minimizes the threshold for car purchase and improves the utilization rate of funds on hand. In order to reduce the repayment pressure, the product cycle is long, and the longest repayment period can be divided into 60 periods, while the general loan period is 12-24, so the down payment and monthly payment are often unbalanced. In addition, the purchase tax, first-year insurance, licensing, installment service fees and other miscellaneous fees are required for a normal loan or full car purchase, while 1% down payment car purchase method does not need to pay these fees.
Of course, although the down payment threshold for car purchase 1% is low, it does not mean that overdue is irrelevant. Once the user is overdue for more than 5 days, the credit will be collected according to the situation. However, Ping An Car Manager provides users with a five-day grace period for repayment, which is more humane than bank loans.
In order to give back to users, from July 17, Ping An Car Manager and car home launched a 60% discount spike activity for luxury cars that lasted for one and a half months, and the basic prices of Audi A6L, Mercedes-Benz E-Class and BMW 5 Series were all reduced by 60%, so that users could enjoy more benefits. Stay tuned!
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.