Why do car sellers not recommend full payment? Why do 4S stores recommend loans?

Generally when you go to a 4S store to buy a car, the sales consultant who sells the car will recommend you to get a loan to sell the car, which is the so-called zero-interest mortgage. Why not recommend you to buy the car in full? Because they make less money, they receive less rebates. For details, please refer to the introduction provided by this site.

Why don’t car sellers recommend full payment?

The first car sales consultant will recommend you to pay in installments because they will charge a certain handling fee for installments, and this handling fee is part of the profit they can earn. Of course, this is only part of it.

The second is that your insurance must be purchased at a 4S store. The new car we just bought must be fully insured, and the insurance purchased at the 4S store in the first year must be fully paid. So this is one of the reasons why 4S or car sales consultants recommend you to install installment plans.

Finally, in summary, car sales consultants can only get commissions from car sales when selling full-price cars. If you pay in installments, you can also get commissions from loans and insurance. That’s about it. Installment or full payment mainly depends on you. There is no absolute good or bad. Of course, if you have sufficient funds, it is recommended to pay in full.

Why buy insurance in 4S stores

Simple, 4S has a cooperative relationship with insurance companies.

First, the more insurance the store sells, the more after-sales accident vehicle insurance companies push it. Based on the amount ratio.

Secondly, if you buy insurance in the store, you will get insurance commission rebates. Generally it is more than 900 yuan (calculated based on the amount of commercial insurance)

So, if you don’t buy insurance in the store, the corresponding discount will be reduced.

You can buy it in the store but you need to choose a major insurance company of your own choice. You can make requests after you know there are benefits. Of course, you can also go out and buy it yourself. No matter which way you buy it. Just take care of it yourself. Stop making such a fuss about this.

Should the new car be maintained at a 4S shop?

1. In the first case, if the new car is covered by the first warranty, then I will tell you the maintenance at the 4S shop without hesitation. Don’t have any hesitation. Not only do you need to change the oil and water, but you also need to register your car in the system. Registration is important for subsequent warranty and claims. Many 4S stores will reject the warranty because there is no registration, not to mention that many of them are now given free first-time insurance, so remember to go to the 4S store for maintenance.

2. In the second case, a new car is not guaranteed for the first time. In this case, it depends on your own financial resources. After all, there is a big gap between 4S shops and auto repair shops in terms of working hours, oil, water and accessories.

If you are a wealthy person who drives a luxury car and are too lazy to worry about finding a repair shop by yourself, then go to the 4S shop for maintenance without hesitation. After all, the quality and service provided to you there are different and more traceable. The work meals ordered by the luxury car 4S shop are also delicious.

If you are driving a general family car and you have to consider the cost of car maintenance, then I suggest you do some research on what kind of oil and water your car needs, find a reliable manufacturer or platform to buy it, and take it to a reliable repair shop. In this way, you can only spend one man-hour fee, or if you are good at it, you can replace it yourself.