Analysis of Shaoxing 20 12 Buick lacrosse loan to buy a car: Please help me look at the 4S shop. Is this reasonable? Will you be cheated?

First of all, I tell you responsibly that 4S stores will not cheat you, because they dare not cheat, because it is such a big store after all. After lying to you, it will have a great impact and even bring down a store. This is a precedent. Then, I carefully read the loan project you mentioned, and the specific analysis is as follows.

The discount range is quite normal, which is too large. 36 thousand is already very high. The interest rate of 12% is in the middle level. I don't know which bank you work in. Generally speaking, 4% a year is reasonable, and more than 5% is also available. Insurance is normal, because making a mortgage requires 100% compensation for car theft, which means that car theft is excluded, so insurance will be more than 1,000 yuan higher than one-time compensation. The upfront management fee is a self-designed project, which is another way of saying the mortgage service fee. This general 4S store will charge, you only need to pay 65,438+0, 500 yuan. You are malicious. It's really unprofessional for LaCrosse not to charge you 4000 yuan. It is estimated that their leaders will despise him. The guarantee fee is the deposit. When you pay off the loan, the bank will pay you back. Don't worry about this. It is normal. The estimated authorization fee is 300 yuan, including the authorization service fee of about 100 yuan.

To sum up, it makes sense. I wonder which store in Shaoxing. Tell me, I scolded their leader and dared to charge such a small service fee. By doing so, they are breaking the rules of the game.

At present, CCB should cooperate with Buick. Generally, the annual loan fee of100000 yuan is free. So I recommend you to do the credit card installment of CCB, as long as you have a house in the local area, or your parents have a house, or you have paid a certain housing provident fund ... It's very simple, just meet one of them. Judging from your ability to buy a LaCrosse, meeting these requirements is relatively simple.

Therefore, ... you can save about 4,000 yuan in interest, save 1500 yuan, and lose the guarantee fee. You still have more than 6,000 yuan on hand. Is this not good? CCB mortgage and free car wash once a week saved you a lot of money, didn't it? If CCB really fails, China Merchants Bank's credit card installment is also very cost-effective.

Don't say that insiders in the automobile industry told you, otherwise they will be very depressed. Hey, how can I eat inside and choose outside?

Senior car consultant Lao Zhang brings you the answer, thank you!