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点击立即查看When considering the purchase of a vehicle, financing it through a loan might surprisingly turn out to be more economical than paying the full amount upfront. The reasons for this intriguing scenario encompass a lower sticker price for financed vehicles, reduced down payment requirements, opportunities for interest-free loans, and an abundance of complimentary services.
Let’s delve into the details:
1. Financed Vehicles Attract Better Deals
Some dealerships offer special pricing for customers opting for financing, sometimes even discounting the vehicle price beyond what’s available for cash buyers. This strategy is often employed due to partnerships between dealers and financial institutions, where dealers receive incentives for each financed sale.
2. A More Accessible Entry Point with Lower Down Payments
The initial outlay for financing a car is typically much less daunting compared to buying outright. For instance, if the car costs around 100,000 yuan, financing may only require a down payment of 15-20%, equating to 15,000 to 20,000 yuan. This makes owning a new vehicle far more accessible and seemingly more affordable than a lump-sum payment.
3. Possibilities for Interest-Free Financing
Major banks provide credit card auto installment services. When these banks collaborate with specific car brands, customers can secure interest-free financing deals. Essentially, this means financing a car without incurring any interest charges while spreading the cost over time, offering a significant edge over paying in full.
4. Generous Extras Included with Financed Cars
To boost sales, some dealerships sweeten the deal for financed cars by including various freebies. These might range from rain deflectors, running boards, to dashcams. These additional perks can offset some of the costs, making the financed option seem more appealing.
Note:
1. While financing can appear cheaper, it’s not always the case. Most financed purchases incur interest charges, and so-called “interest-free” loans often come with hidden fees. The information provided here should be used as a guide, and the actual cost will vary based on individual circumstances.
2. Paying in full has its benefits too, such as avoiding the complexities of vehicle liens, dodging interest payments, skipping post-loan release procedures, eliminating late-payment risks, and enabling immediate resale or transfer. The choice between financing and paying in full should be made based on personal financial situations and preferences.
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