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买车是一次付完好,还是分期贷款好来看看过来人的分析

时间:2019-07-15
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在汽车专卖店里,我们经常会看到许多卖力的4S店销售员,尽管他们推销起产品来说得天花乱坠,但由于服务贴心、面面俱全,往往也很容易打动买主。而且很多4S店会推出各种贷款赠好礼活动,或者在利息及首付上向贷款购车的买主们给予优惠政策,以此来提高买主对贷款购车的兴趣与倾向。那么买车是一次付完好,还是分期贷款好?来看看过来人的分析,看完你或能明白。

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过来人表示,贷款买车虽然一定程度上可以缓解消费者的经济压力,还能够让消费者享受信息经济时代所带来的提前消费的便利与能力,但是这些看起来对客户利好的优惠,实则还隐藏着不少隐形支出。例如,选择贷款购车的顾客,一般还要额外向车店支付一笔手续费,而且4S店一般都有跟银行及保险公司合作。正所谓羊毛出在羊身上,通过贷款利息、配套保险等营销手段,销售员也能从中获取一些提成。因此,4S店销售员承诺的贷款优惠,还需谨慎对待。

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xxxxAlthough there are certain drawbacks in loan purchase, it also has its unique advantages. After all, customers who are eager to become car owners but have no funds, it is a better way for them to allocate loans more flexibly. The benefits of own money, reducing the burden, and realizing the dream of buying a car early are obvious. Moreover, for some investors, the loan to buy a car can also reduce the cash flow restrictions, the use of the funds to buy a car may also earn more than the loan interest, and really use the money in the blade. On the other hand, if it is a client with sufficient funds to purchase a car in full, and there is no good investment channel, then one-time payment is a better way. On the one hand, it can save interest fees, on the other hand, it is also free to choose insurance companies with appropriate insurance, which is more affordable.

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Therefore, the question of choosing a one-time payment or an instalment loan is a matter of opinion. Buyers should judge according to their actual conditions, only the best for themselves is the best!

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