Around us there are many people to buy a house to buy a car, small to buy pots and pans to choose consumer loans, whether you are rich or poor, loans is the trend. This is because the loan interest rates relatively low, in the words of the small series, the same money buy what benefits are to be higher than the loan interest. But in our side, because the loan management and improving the lives of example is not rare. Li people several years saved some money, because the job needs to buy a car, and that this could show off, did not think you heard him all the money to buy a car, they said, this is what's the full payment This let Xiao Li wanted to do not understand, managed to save money to buy a car, how also offbeat? Connaught into you summarize the four loan to buy a car.

One advantage: the car depreciates in value

Rising prices, 100 yuan in 2014 to 2015 may only the value of 90 yuan, why not only in the future value of 90 yuan, 100 yuan of debt payment today? If 100000 yuan into the car, a year later, in fact value only 72000. The entire paragraph car loss 28000!

Advantage two: the expected rate of return higher

Car loan of the interest rate between 6.5%-7%, business income in 30%-50% or more, and auto loans annualised rate of 6.5%-7.5% was not what the cost, if the car manufacturers discount, that interest rates will be lower!

Advantage three: auto loans is to obtain the lowest capital cost, the most convenient way of handling;

Because the future funding uncertainties, if there are gaps in funding, to solve the problem of funds for the following ways: 1) to borrow: easily hurt feelings, also can not borrow; 2) borrowing: the procedure is convenient, but the cost is too high; 3) mortgage (personal): a time consuming, high threshold; 4) mortgage loans to enterprises (company): process time is long, the threshold is higher; 5) credit loans directly on personal credit rating credit: credit card rates daily is 5/10000, if only the minimum amount, equivalent to the monthly interest 1.5% (5/10000 *30=1.5%), at 18% 6); auto loans: lower cost, more convenient procedures. So is the trend.

Advantage four: credit accumulation of wealth

Most people feel no loan, no overdue is the best credit records. Actually otherwise, and bank loans, and is a good credit record, this is the best credit records. For example, you are willing to lend money to a don't know he speak credit friend, or a bank loan and records, and so on somebody?