Super Car Sales System

Chapter 674 Buying a Car in Installments (Subscribe)

Chapter 664: Buying a car in installments (for subscription)

"Are you talking about the installment interest and handling fee? Installment is not worth it or not, it depends on your spending habits." Shen Yiwu smiled and told Linda that some people can't afford the full amount right now. But there is a rigid need to buy a car, so I can only choose installments.

Some people also have money, but they have a way to make money. They can use the money to buy a car to earn more funds than interest, and they will also choose to install it.

Some people have sufficient funds in their pockets, and there is no pressure to pay the full amount at once without affecting their lives, so they will not choose installments.

There is also an extreme situation, that is, the profit of the 4S store is low, and the buyer does not sell the car without installment. At this time, it will not work without installment.

Therefore, whether installment is worthwhile or not depends on your personal situation and actual choice.

Shen Yiwu's explanation made Linda suddenly enlightened, but she was a little puzzled: "Is there anyone who doesn't sell cars in installments? Isn't it too overbearing?"

"This..." Shen Yiwu looked at Sun Yanming and Fang Yuan with some helplessness. He was the store manager of the 4S store, so he really couldn't answer Linda's words.

"You are in a different position, so of course your views are different." Fang Yuan relieved Shen Yiwu, "Linda, you look at things from the perspective of consumers, of course you think so, if you are a sales consultant or store manager of a 4S store Woolen cloth?"

Just now he was unable to answer the question asked by a little girl, Shen Yiwu smiled gratefully at Fang Yuan: "Manager Fang is very good, the position determines the way of looking at the problem, the result is of course different."

"That's right." Linda thought about it, "What if I want to buy this car in installments? How much will I spend?"

"It's hard for me to answer your general question." Shen Yiwu felt helpless, "This top comes with optional equipment, what do you want to add? Is the down payment 10%, 20%, 30%? How long is the loan? For example Three years."

"It's already so expensive, so I won't choose any equipment." Linda thought for a while, "What about a 30% down payment and a three-year loan?"

"Well, we are all colleagues. Let me tell you about the normal process." Shen Yiwu looked at Sun Yanming and introduced.

Shen Yiwu's store will have delivery fees, PDI testing fees, etc. In addition, the 4S store must handle the licensing, the insurance for the first three years must be bought here, and the renewal deposit must be paid, and boutiques must be installed, etc.

Of course, different regions, different stores, and different car models have different policies. Some of them don’t have a warehouse fee or anything, and the insurance doesn’t need to be purchased in the 4S shop. The owner of the car needs to get the license plate...

However, if you want to buy golf in Shen Yiwu's store, you must have these procedures and fees. Otherwise, please get up and turn left.

"Are you so arrogant?" Linda was a little annoyed, "What is the delivery fee? What is the PDI inspection fee? What is the comprehensive service fee?"

"Isn't it so arrogant?" Fang Yuan told Linda that the stronger the brand, the more fees it charges. The outbound fee and comprehensive service fee are arbitrary charges.

This PDI test is a pre-sale test certificate, which is an inspection that new cars must pass before delivery, which is equivalent to the vehicle condition appraisal of second-hand cars.

The new car arrives at the dealership from the OEM to the dealership. It has gone through thousands of kilometers of transportation and long-term parking. In order to ensure the safety of the new car and the performance of the original factory to customers, the 4S shop will Do a test, the project includes body, car interior, engine compartment, chassis and so on.

The people in the 4S shop will check whether the paint surface and covering parts are peeled off or bumped, whether the interior panels, seats and instrument panel are damaged, whether the engine is running smoothly and normally, lift the vehicle, and check Check the chassis of the vehicle for scratches, oil leaks, etc.

After the inspection of the car, there will be a report. This report is very important to Fang Yuan. The car owner must read it, and find a 4S shop in time if there is a problem.

However, Fang Yuan warned Linda that even if the 4S shop has done a PDI test, don’t be careless. You should actually check it yourself, and you still have to check it carefully, and you can’t trust them blindly.

After all, many 4S stores do business honestly, and there are still very few 4S stores that sell damaged cars, stock cars, etc. as new cars. Otherwise, there would not be so many disputes, and no one would drive hard afterward. Suddenly found many problems.

"Shouldn't this be the work that 4S shops should do?" Wang Chong was puzzled, "Why do you charge extra?"

"Didn't I tell you? Some accept it, and some don't." Shen Yiwu said that anyway, these are unspoken rules in the industry like delivery fees, and his store will charge them.

"Manager Shen, we are all colleagues, please waive these fees for me." Linda trotted around to the co-pilot, grabbed Shen Yiwu's shoulder and shook vigorously, begging coquettishly for these fees to be waived.

"We are colleagues. Some can be exempted. I will definitely exempt you. If it is unavoidable, I will make up for you through other methods."

With Shen Yiwu's promise, Linda was overjoyed: "Please tell me about the installment fee."

"Let's be smart people don't talk dark words. Let me put it bluntly first. There are no discounts in our store. There may be second-tier dealers or 4S stores in other regions." Shen Yiwu means that if Linda inquires about the discount in the future If you can't get it back at a cheaper price, then it will be a little embarrassing and too embarrassing.

"What is a secondary distributor?"

"It's just that some car sales companies do not have the agency rights of a certain brand. They are distribution channels and can also install loans." Shen Yiwu is not shy, "Compared with our regular 4S stores, buying cars from them has advantages and disadvantages. It depends on your own ability and relationship."

"We are colleagues, so I can rest assured when I buy a car from you." Shen Yiwu spoke very clearly, and Linda said that she understood it, and she would not come to mess around in the future.

"Okay, let me tell you about installments." Since Linda said 30.00% down payment, three years, Shen Yiwu let Linda notice that this 30.00% down payment is 30.00% of the bare car price, plus purchase tax, compulsory insurance, Vehicle and vessel use tax, registration fee, and commercial insurance have nothing to do.

And also pay attention to whether the buyer can do the bank installment, otherwise he can only go to the financial company.

Shen Yiwu believed that Linda would have no problem doing the installment, and began to calculate how much she needed.

Since there is no discount, the price of this 2021 280TSI DSG R-Line Golf is 165799 Chinese dollars, and a purchase tax of 14672 is required. Since it is a five-seater, it is necessary to pay 950 for compulsory traffic insurance, 1.4L needs to pay 420 for vehicle and vessel use tax, and 500 for registration Fees, first calculated according to the full insurance, commercial insurance is 6189, and the total necessary expenses are 16542.
If there is a discrepancy, it can only be the part of commercial insurance, and you can’t save a lot of money by signing up yourself. A girl’s family can hand it over to a 4S shop, but it’s easy to worry about. Moreover, compared to other places, the registration fee of one or two thousand is very little. .

Each insurance company is somewhat different, and only by reducing some unnecessary insurance types can we reduce some expenses.

Linda took out her mobile phone, added up all the expenses that Shen Yiwu said, fiddled with the screen for a long time and finally calculated the total: "So, including the car payment, the total cost I need to spend is 188530?"

"Probably, roughly. What I calculated for you just now is only a rough idea." Shen Yiwu looked at Linda squarely and said that he hadn't finished talking yet, "You still have to pay 49739 for the loan handling fee, 16542 for the GPS fee, and 71281 for the renewal fee." The security deposit, plus the down payment of 116059 for the car and the 3000 you mentioned just now, make a total of [-], and then you take out a loan of [-], and then repay the monthly payment of more than [-] for three years.”

Seeing that Linda bowed her head and remained silent, Shen Yiwu explained to her: "Some places do not charge GPS installation fees, but we do. The [-] loan fee cannot be waived, but I don't need to charge you a [-] renewal deposit. , where you want to buy insurance in the second year, you can buy it wherever you want, and don’t get refunded when you leave the house. We use a certain brand insurance company in other places. If you want to refund the insurance, you have to go to other places. .”

Having saved herself money again, Linda nodded gratefully at Shen Yiwu to thank her.

"After the amount is settled, the next step is to go through the process." Shen Yiwu explained that because it is an installment loan, the big green book must be mortgaged to the bank. Of course, there is also a credit loan now, and there is no need to mortgage the big green book. The owner of the car has completed all the procedures. save.

In addition, the beneficiary of the insurance will not write Linda’s name but the bank, so remember to release the mortgage after repaying the loan. If you mortgage the big green book, you must get the big green book back and change the beneficiary of the insurance to yourself, otherwise It's okay if there are no accidents, but if there is an accident, just wait and talk.

Shen Yiwu introduced Linda carefully, and Fang Yuan listened silently at the side. He found that Shen Yiwu was very familiar with all aspects of the process. He and Sun Yanming looked at each other and were very satisfied with Shen Yiwu.

Linda wanted to buy a car, and Fang Yuan also thought of buying one for Master and Yumi, a family car for his parents far away in his hometown, and a commuter scooter for Shinichi Sakamoto and the others.

However, Fang Yuan does not intend to buy a car at a 4S store, but to buy a second-hand car, because there is no delivery fee, PDI inspection fee, etc. for a second-hand car.

Fang Yuan himself doesn't need to do the installment, he can also do the car condition appraisal, and he can even choose directly from the second-hand cars sold by the Jingcheng 2 store.

Linda pestered Shen Yiwu in the co-pilot about buying the car in installments, Fang Yuan quietly pulled Sun Yanming aside: "Uncle Sun, I want to buy a car for my master, my parents and Yumi, and I also want to get a commuter car for Zhenyi and the others , when we get back, let’s go to Tianhong to see if there are any suitable models.”

"Buy a second-hand car?" Sun Yanming knew that Song Guoyuan was too far away to go to work every day. Although his M3 was repaired, he had no right of way and could only drive it on the track. However, Sun Yanming was still a little curious about why Fang Yuan didn't buy a new car.

"To be honest, except for some models that China does not have, I also know that buying a new car is better than buying a second-hand car, and it is better to drive a new car." Fang Yuan was very helpless, "It's not that the capital turnover is not enough."

Fang Yuan only has a few million in his hand now, and the bank card given by his father-in-law has 3000 million in it, and he said he can spend it as he pleases, but Fang Yuan doesn't want to use this money until it is absolutely necessary, even if it is to buy a car for his parents and master. , We have to wait for the loan to come down.

"Have you thought about it, what kind of car do you want to buy?" Sun Yanming was very curious about what kind of car Fang Yuan would buy for everyone. "If you want me to say, you might as well give your parents your Audi crockpot, and you can change the car yourself."

"I want to change my own car?" Fang Yuan really didn't think about it that way. "I want to buy Yumi a normal version of the Giulia. It's cute and cute, and it fits Yumi's temperament very well. My father doesn't have a driver's license yet. I am going to buy a Swift or Golf for my parents first, and then I will talk about changing the car after my dad is proficient in driving skills. I am going to buy an MPV for Sakamoto Shinichi and the others, and I am going to buy a car for Master..."

"Stop." Sun Yanming smiled, very treacherously, "Buy your master a Nissan Sunshine..."

Fang Yuan knew that Sun Yanming was joking. Nissan’s Sunshine leather is durable, fuel-efficient, and cheap to maintain. However, the power is comparable to that of an old man, so it’s not suitable for Master: “Buy my Master a Sunshine. .”

While the two were talking, the three Lindas over there came over.

Sun Yanming looked at Linda's smiling face, and guessed that the installment matter had been negotiated: "How about it, do you want to buy it or not?"

"Buy, Manager Shen has calculated it for me." Linda was very satisfied, "I will pay the down payment after two days of vacation."

……

Sun Yanming and his group walked around the 4S shop, checked the maintenance area and the office area, and found that the environment was clean and orderly, which proved that Shen Yiwu's management ability is still good.

Everyone got in the car and went shopping for two days, checking many shops.

It was almost the same as at Shen Yiwu's place. Fang Yuan and the others received a warm welcome wherever they went. Some store managers were so proficient in flattering, even more so than Shen Yiwu. developed immunity.

However, when Fang Yuan asked these store managers casually, most of them could answer fluently, and a few of them were a little bit worse. The management class doesn't need to understand how esoteric it is, as long as it doesn't make jokes about technical issues.

In the past two days, Fang Yuan and Sun Yanming have also been paying attention to the auto repair shops in various places. There are several auto repair shops that are for sale. .

Fang Yuan simply gave up and called Wang Tiehu, who was far away in his hometown, and found a suitable place at a reasonable price. He made an appointment to go back to his hometown in two days to have a look.

Fang Yuan was very happy, and complained to Sun Yanming that the real estate prices in various places were too different. The area Wang Tiehu helped to find was even larger than the Jingcheng 2 store, but the price was only more than 900 million, and there was a three-story building with a Big workshop.

Sun Yanming thought it was normal, and jokingly said to Fang Yuan that the price of the house that Fang Yuan just bought in Dahai City was 8, while the price of the house in Fang Yuan’s hometown was only 8 at the top, and the average price was more than 4. The gap between local and first-tier metropolises.

The house price was more than 900 million, and it was too late for a loan. Fang Yuan didn't want to miss this opportunity, and planned to use the 3000 million that the old man gave, and return it to him later, it was still the old man's money.

Back in Dahai City, Fang Yuan called Song Guoyuan and Su Bei to rush back to his hometown.

Originally, I wanted to take Yumi back with me, but Shinichi Sakamoto and the others in the store didn't understand Chinese, so they were blinded without the translator, and couldn't communicate with customers, so I had to wait for the next time.

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(End of this chapter)