If the two words are the most popular, it is the "price". Whether we are daily necessities of the rice oil, or daily table of vegetables and fruits, almost double the rise. While the bulk of consumer's house price is more has been known to rise. Especially in our country, the CPI index in November some time ago released, more is a 5.1% increase over the same period, hit a 2 month high, let us have to exclaim: "inflation has come true. However all the expansion, the automobile after the house consumption seems to belong to the inflation of the insulator, has been in a state of deflation, "all rise I only drop" courage perseverance in the tempestuous waves of inflation.

Now many people think, buy a car now is the most cost-effective, not only because the purchase tax policy factors, but also because the same money you can't buy with the original equal to the value of the goods, but the car can. Some people even joked, now the car with the wages the same kind, not only did not rise, even drop. Especially now with the increasing number of automobile products, between the same rank vehicle type are also increasingly fierce competition. At the same time, the yield increase the diluted the cost of the car, in the dual factors, prices have been falling. Although this year the car about excessive inventory, overcapacity issue can be heard without end, but under the situation of pile up in excess of requirement of car market also direct sentence the car price "the death penalty". Of course, there are also some hot models has always been in short supply, the need to queue up even increase carrying vehicle state. It is now really so worth buying?

The answer is certainly negative, but we do not consider the CPI index rising, inflation pressure. Only later, car and car, car parking in this a series of cost overhead is worth us to purchase a car maker Zhen Zhuoyi, after all, these costs rise with the inflation. In addition the oil price is entering the interval 7 block, began running 8 course. At the same time for some of the loan to buy a car car, high repayment pressure and bank interest rates rise, has become many owners promoted as the largest obstacle to car owners. It can be said, most people can not afford not to buy the car, lack of a down payment, but can't afford a car, not a car loan. So how rational purchase a car, especially for the choice of car loans to purchase a car makers, is a problem worth thinking.

I believe that for many loans to purchase a car, the large amount of money and the first payment is often a maximum pressure. It is not the Shoufu will not loan to buy a car? But this is not certain, the key is to look at how we choose the loan products. For example, GMAC-SAIC automotive finance company (GMACSAIC) launched the "double king friends plan" credit scheme he dropped Shoufu concerns, take the lead in the industry launched Shoufu installment loan pattern. At present, who first purchase Regal, lacrosse all models of car owners, 60% of the first payment can be divided into two payment, the remaining 40% cars, you can hire in the next 12 months, during the loan need not pay any interest, monthly payment of only the principal. Compared to the current bank car loan procedures, strict examination and approval system, GMAC is more quick, efficient!

At the same time, in addition to meet the new owner's demand, the Buick also special for the old owners launched the "old phase half" credit products. Only through the replacement way to pay the minimum 30% of the first payment, old car owners can enjoy the loan purchase a car, the interest rate by half value. At the same time can enjoy 12, 24, 36 and 48 months of four flexible repayment period, the minimum can enjoy 3.99% ultra low interest loans, much lower than the current bank to provide personal car loan 12 months period of interest rate.

In addition to "double eagle friends plan", "Chevrolet cheap plan" is also very well. The first part of the lowest payment in the city to buy Chevrolet Ke Luzi can enjoy 25%, also can choose flexible repayment period of 18-48 months, and enjoy 18 or 24 months of zero interest rate premium discount. In addition, the young customer group, SAIC automotive finance company also specifically for the Chevrolet brand design "Chevrolet young people plan", to the Chevy 1.6SL MT as an example, the guide price is 108900 yuan, only need to pay 27225 of payment, i.e.Models25% of the price, can be easily entered the car, car owners ranks. In addition to the first year repayment period, the monthly 1689 yuan only, there is hardly any repayment pressure. At the same time, it is worth mentioning that, because of the double Jun friends plan and Chevrolet cheap plan execution is movably fixed interest rate, so does not with the central bank interest rate hike up the loan interest rate, this also eliminates the loan purchase a car of any menace from the "rear".

Of course, even if the car is called inflation insulator, for us to purchase a car makers, can not be blindly to the pursuit of car owners aura. , especially in today's situation, we the people purchase a car should be more rational purchase a car needs as the starting point, whether it is a car loan purchase a car or full payment, must proceed from their own economic conditions, after all the car value is to improve living standards, rather than a reduced quality of life. So in this all up together today, how rational purchase a car loan purchase a car each one of our carefully weigh!