Those who plan to buy a car, think about these six things!

Those who plan to buy a car, think about these six things!

I'm not afraid that I can't afford a car, but I'm afraid I'll regret it after I buy it.

For example, double eleven, everything is very cheap, I bought a lot.

"Eh" this is good, "Ah" that is so cheap, this is really good. If you buy it and leave it at home, you either don't use it or don't like it, and it's troublesome to return it. Why bother "Hi Yo" in the first place?

Do you really need a car?

What is the purpose of buying a car?

The 1 th question to consider is: Is it really necessary to have a car? This question sounds a bit big. Let's narrow it down and buy it. What's the use? Think about what?

Does commuting count? Going out to travel, picking up the baby for class and after school are all included, which is closer to the needs.

Many friends really think this car is good. Why buy back? I don't know why. I just eat dust there. You can't drive a few times a year. I really do. I really don't need a car.

The report "The Road to Living and Working in Peace and contentment-Life Event Service Demand Analysis and Case Analysis" published by 58 cities United Analysys and internet society of china was also mentioned above.

Among unmarried people, 1 1% people have the motivation to buy a car because everyone around them has bought it, so they also buy it. 23% people want to buy a car because they don't have a clear purpose. Buying a car is a good thing.

23% plus 1 1% adds up to 34%, 1/3 is a little more.

Kai-fu Lee once said: buying a car is the worst investment, and the car is stagnant 96% of the time, and only 4% of the time provides value.

We don't care whether he is right or not, just look at the actual situation.

If the car is bought, it will really stop there like the joke just now, and it will really lose money all the time, and the capital will not be recovered, which is worthless and uneconomical.

So, what to do before buying a car, think about it, don't just look good, it's powerful, what kind of car I should have now, think about it later, think about it before buying it.

What changes can it bring to life?

The second thing to ponder is: how much convenience or benefit it will bring to your life after you have a car.

I also talked about it in my previous video "How big is the gap between life with and without a car". Let me briefly talk about it here.

With a car, you can expand your life radius. You don't have to wait in line to take a taxi. You can provide private space and leave anytime and anywhere. At the same time, some friends may get your mother-in-law's stepping stone.

But the benefits just mentioned vary from person to person.

Let's expand the radius of life. If I were an otaku like myself, I would like to stay at home, don't go out much and don't like driving.

Then the benefits of expanding the radius mentioned just now may be invalid or meaningless to yourself.

With tens of thousands of computers, I took them home. Actually, I don't need to use them. I still like to lie on the sofa and play with my mobile phone. Because the sofa is comfortable to lie on, the computer is a little distressed, or I don't need it.

Therefore, we should consider the benefits that a car can bring in combination with our living habits and conditions.

Can you really afford a car?

After considering whether to buy a car, you should also consider whether the economic account can be counted when buying it.

Full payment or loan

First of all, did you buy it in full? Or a loan?

For most friends, the financial pressure of buying a car with a loan will be relatively small, and it is more economical to buy a car in full from a longer time dimension.

Take a car with a price of 200,000 yuan as an example: 30% down payment for a car loan, almost 65,438+3,000 interest, and 4,200 for a 3% loan fee.

The two items just mentioned are more expensive than the full price 17200, and the price is not too high. Some stores may be more expensive than this, and there are other strange names.

Guarantee fee, renewal of deposit, smiling at you today, selling your fare only when you are pleasing to the eye … much better.

We have to talk about this thing a few times more, shop around, shop around, no, shop around more than 30. It is difficult to buy a car now.

What is the budget?

After deciding whether to borrow or pay in full. It takes a little time to think about the budget of buying a car.

Be sure to give yourself a reasonable budget range in advance. Don't say it's like running to the computer city. I'm like this myself. 3000 yuan is enough for a computer in buy buy.

He said, "Do you want to play games?" "yes." It's 4500 "Do you want to play a good game?" It has been changed to 5500. "Do you want to contact others when playing games?" It's 6500

"Oh, your screen ... display is 1080P. Do you want to upgrade to 4K? " Okay, it's 8500. I spent 3000 yuan on a computer ... don't do this.

A car like this is easy to buy. Go to see a 50,000-car chat and change it to 65438+ 10,000. 65438+ 10,000 people are chatting, 1.5 million people have courage; 150 thousand chat, 300 thousand is not enough? There is no end to buying a car and spending money.

How much budget is reasonable? I made a video before. There is a specific algorithm in "Annual salary of 65438+ 10,000 yuan to buy a car dealership". You can refer to it and have a look.

To put it simply: if you buy a car in full, the annual maintenance fee plus other living expenses will not exceed 70% of the annual salary; If it is a loan to buy a car, the car price is best not to exceed 0.86 times the annual salary.

You see, it's not even 1 times the annual salary.

Automobile maintenance cost

In addition, it should be noted that buying a car does not mean that the car can be bought. The annual cost of car maintenance must be considered in advance. For some friends, it is really an amount that cannot be ignored.

To be on the safe side, it is best to set aside some savings for car maintenance. Just spread it out for you to calculate and feel.

There's always a car gas bill, right? Right? There is no gas or electricity, is there? Parking fees, maintenance fees, insurance premiums ... are there no violations? There must be a few occasionally, right?

The car needs washing, right? Wash more and wash less. You must wash it, right?

We have calculated the video in detail for everyone before. If you drive a car with 65,438+0,000 kilometers and 65,438+0,000 yuan a year, the annual cost is about 65,438+0,8300 yuan, and the annual cost of a car with 200,000 yuan is 22,908 yuan.

You see, the annual cost of a 6,543,800 yuan car is close to 20,000 yuan, and 20% is less than a little, which is really not low.

Therefore, generally speaking, the extra expenses brought by cars should be based on the premise of not affecting normal life. If you buy a car, even the broadband fee is a bit hard, so don't buy it so expensive.

I sincerely give you this advice.

What car to buy?

These problems have been considered just now, and now it's our turn to consider what kind of car to buy. Are you bored? I don't want to buy this because I like it, I like it.

Just now, we have considered those practical problems that are really meaningful. Now, let's think about what car to buy.

Look for it. Is it the home 1 car? Isn't it just driving alone, and there are many people to sit? Is there a need for many people to travel?

Do you usually drive this car or go back to your hometown? Do you want to go the wrong way? Or just in the city?

These things combine with each other to help you judge and choose the right car.

Sounds vague, doesn't it? I arranged a set of so-called "formulas" for my friends. You can put it in from beginning to end, which may help your thinking.

First of all, look at the big goal, energy type, vehicle type, brand and safety test results. Let's look at these first. Whether there is a license plate directly determines whether it is a tram or an oil car, right?

In terms of models, are cars, SUVs and MPVs suitable for self-driving? Or are there too many people sitting at home? Or do you want to run the bad road? Right? There are many online materials about brand and safety testing. How to choose?

After these things are selected, let's take a look at the specific space, number of seats, fuel consumption, power, appearance, interior, functions and so on.

These things are mixed together and considered in a unified way. Basically, there are not many cars, so I am not very picky.

When there are multiple dimensions and an intersection, the number of cars that can be bought properly will generally not exceed 5.

If it is 200,000 vehicles, it will not exceed 3 vehicles. If it is a luxury car, you have to make some compromises and can't achieve some goals before you can buy a car at this price.

Think carefully about these six things before buying a car.

Generally speaking, if you plan to buy a car, you must carefully consider what you just said, not only to avoid regret, but also to spend money on the cutting edge when buying.

Really save money, worry, effort and satisfaction, and feel that it is good to have a car.