Top 10 tips for wage earners to buy a car

There is a big difference between a car and a car. A good car is a quantitative change. If it is just a scooter, it is not cost-effective to purchase a car than to rent a bicycle or electric car on a subway bus. However, if there is a car or no car, it is a qualitative change in quality of life and the action radius increases, the changing lifestyle; this feeling cannot be measured by comparing traffic expenditures.

 

Try not to buy a car by mortgage

Loan consumption does not mean advanced consumption. It is just a financial management method designed from person to person. First, it is based on its own strength. Otherwise, it will not be saved because it will not only overdraft money but also overdraft reputation. To buy a car with a loan, you must first settle the account. The loan amount is RMB 0.1 million, the loan term is five years, and the final payment of the mortgage is about RMB 0.12 million. If you pay 1500 yuan a month for your car and pay off your debts, you will pay about 3500 yuan a month on your car. It is hard to earn 10 thousand yuan a month. In general, I think that, in addition to making the best effort, it is better for the brothers who have little but more money to purchase a car than to purchase a loan.

Do not buy a second-hand car

I think buying a second-hand car is a good choice for wage earners, but it is similar to hitting a great deal. That is to say, the source of a second-hand car is critical, black cars, dirty cars, and vehicles with unknown routes should never be bought.

If you are a friend or a company changing cars, you know about the car and the price is reasonable, you can buy it. If you are a layman or buy the first car and you are not familiar with car repair, it is best not to buy a second-hand car. In addition, we recommend that you do not buy a second-hand car that has been replaced by a taxi. Considering the second-hand price and value-keeping of second-hand vehicles, in general, the price of second-hand vehicles with large social inventory is relatively stable. Of course, the perfect second-hand car is unlikely to happen.

Try again when you try again

First, you need to know the current vehicle market conditions and prices and discounts of each vehicle, and determine the price to be taken based on your own economic strength. Keep this in mind: a car with a higher price leads to a larger price reduction space, and an economical car is no exception.

So, how to choose the right time? You can make a price reduction chart based on the displacement. The abscissa is an event, and the ordinate is the price. The smaller the displacement, the smoother the curve of the price reduction diagram. When the price suddenly drops, it is a good time to buy a car. In terms of time, from the third quarter of every year, it is the market period for new models, and various automobile fairs or new promotions are also more frequent. In the later and early quarters of the third quarter, it is a good time to buy a car.

Enough displacement

Although the auto show is more exciting, we should stick to the rational line of defense: we should try again when it comes. When the price is relatively consistent, choose a Budget car to focus more on the following aspects: the size of the displacement; active and passive security systems, for example, whether the braking system is advanced, whether it is equipped with ABS, the robustness of the body, or whether it is equipped with airbags; other configurations should be considered for fuel consumption indicators.

Pay-as-you-go users can buy a car. If 2 litre of oil is used every 1000 kilometers, the cost of Yuan will be increased in one year, which is a small expense, which is about enough for one year's maintenance. For wage earners, purchasing a car should pay more attention to quality. Generally, cars that have been tested for a long time in the Mainland are worth considering. A new car cannot be bought, but be cautious.

Top 10 tips for wage earners to buy a car

I. It is best to buy a car at a price not higher than the income of the family for two years.

2. Do not compare buying a car because money is limited and a good car is unlimited.

3. Powerful engines are useless in any major city at present.

4. If it is not a mature model, the new model should be bought slowly.

5. space must be taken into consideration when purchasing a car.

6. Useless functions and fancy facilities will only increase the cost and chance of failures.

7. At any time, the freshness of the car will not exceed three months.

8. purchasing a car with a price reduction will reduce the loss.
9. Modify and add configuration facilities as far as possible.

10. fully consider fuel consumption, service costs, and accessory prices.