In 2005 07 months 3 days, Sunday 21:09

     Loan to buy a car, ahead of consumption, it sounds very fashion. At first glance, to spend other people's money, to buy their own cars, is also very cost-effective, but careful thought, but still not dare rushed to catch the bus.
     According to the general people can get the loan to standing, the maximum loan period of five years, buy a 150000 yuan of mid-range cars, for the month nearly 2000 yuan, plus interest. If two people of husband and wife's monthly wage income will total three, four thousand yuan, so for the car after the hand will be very tight. And the loan interest rate is floating, now basically is the lowest interest rates at banks, loan to buy a car, will have to bear the risk of interest rate increases in the next few years, come down a few years, you actually pay the car more than others pay cash to buy cars, of course, is not worthwhile. He wants to buy, there are more or less some savings, if no other returns than bank interest rates much higher investment channels, but simply put it lived in the bank, on the other hand, the loan to buy a car, pay more than the deposit rate of interest, this kind of thing, only a fool to do.
     The car that is durable consumer goods, but also the use of age. The general consumer psychology is a new car for a few years, then took to sell it before the car also has use value, and then a new car. If it is a loan to buy a car, just for your car has not gasped for breath, was going to be in the right and self-confident tall to be a real car owner, the car is also to depreciated replacement time. When buying expensive to death, they sell are worthless, buying and selling between silver lost a lot, and then carrying this is number not much money and go for a car, go round and begin again, into a car -- car -- and for the car in the whirlpool, a life will so hard to pass.
     As the saying goes: debt free. The common people, accustomed to provide for oneself leisurely days, cold not the D son on the back of a bank loan, always feel a little jittery. Clutching the steering wheel, the heart is always cannot find rich feeling, every day is still desperately to earn money to the bank debt, rather than a day before comfortably. The loan is not worthwhile ah, personal sorrow and joy only buy their own people in order to experience. (2004-02-23)

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