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 will recommend you to buy the car with a loan, which is the so-called zero-interest mortgage. Why don't they recommend you to buy the car in full? Because they make less money and get less rebates. For details, please refer to the introduction provided by this website.

Why don't car sellers recommend paying in full?

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

Secondly, you have to buy insurance at a 4S shop. When we buy a new car, we must have full insurance. And we have to pay the full amount of insurance in the first year. However, 4S shops have cooperation with insurance companies. If you buy insurance at a 4S shop, there will be a certain rebate. Friends who have bought cars know that if we buy car insurance by ourselves in the second year, there will be discounts and rebates. The rebate is not low. So this is one of the reasons why 4S shops or car sales consultants recommend you to pay in installments.

In conclusion, if you sell your car in full, the car consultant can only get a commission from the car sales. If you pay in installments, you can get a commission from the loan and insurance. That's about it. Whether to pay in installments or in full is up to you. There is no absolute good or bad. Of course, if you have enough funds, it is recommended to pay in full.

Why buy insurance at a 4S store?

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

First, the more insurance the store issues, the more insurance the after-sales accident vehicle insurance company will push. It is based on the amount ratio.

Second, if the store issues insurance, there will be insurance commission rebates. Generally, it is more than 900 yuan (calculated according to the commercial insurance insured amount)

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

You can buy it at the store, but you have to choose a big insurance company. You can ask for it after you know the benefits. Of course, you can also go out and buy it yourself. No matter which way you buy it, you can handle it yourself. Don't make a fuss about it.

Should new cars be maintained at 4S stores?

1. In the first case, if it is a new car within the first maintenance, then I will tell you without hesitation to go to the 4S shop for maintenance. Don't have any hesitation. The first maintenance not only requires changing the oil and water but also registering your car with the system. The registration is important for the subsequent warranty and claims. Many 4S shops will refuse warranty due to lack of registration, not to mention that many of them are free for the first maintenance, so remember to go to the 4S shop for maintenance.

2. The second situation is a new car outside the first warranty. In this case, it depends on your own financial strength. 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 rich person and drive a luxury car, and you are too lazy to find a repair shop and worry about it, then you should go to a 4S shop for maintenance without hesitation. After all, the quality and service there are different, and there is more traceability. The working meals ordered at the luxury car 4S shop are also delicious.

If you drive a regular family car and have to consider the expenses of car maintenance, then I suggest you learn about what kind of oil your car needs, find a reliable manufacturer or platform to buy it, and take it to a large and reliable repair shop. In this way, you only need to spend an hourly labor fee, or you can change it yourself if you are good at hands-on work.