Young "negative men", if you re-select, will you still leapfrog to buy a car?

When the economy is stable, by borrowing closed loops, "negative men" can indeed use "demolition to supplement the wall" to maintain balance. However, under the influence of the epidemic, the uncertainty of income has increased. Of course, the demand for cars may also increase. Will young people choose to use loans to skip consumption? If they have borrowed money to buy a car, is the repayment situation okay?

Post-90s troubled by car loans

With a moderate family background, I worked in BMW and Mercedes-Benz after working for two or three years. Such young people grabbed a lot of us. After 70s, the old aunt said that she couldn't see through. There were four olds and two smalls after 80s. An epidemic made the "monthly owed clan" who had bought a car with a leapfrog loan come to life.

“Recently, young people can be seen here every day because they ca n’t repay their loans to sell cars.” Sun Yanhui of Huaxiang used car market said. He counted down, and the used car market in Huaxiang can receive about 10-20 young people every day, basically after 90s.

On March 30, Sun Yanhui met a car owner born in 1998. "He bought a Land Rover Range Rover with a loan. He needs to pay the principal and interest on time every month, but now it exceeds the period stipulated by the small loan and can only sell the car. "It turned out that the young owner himself operated a bar, but affected by the epidemic, the bar was always closed. Without a source of income, he had to choose to sell the car to repay the loan.

"There are many similar situations. Many young people are doing small businesses on their own. For example, they open nail salons and beauty shops. They have a good income. Many people used loans to buy cars last year. Moreover, young people have different ideas. Many People choose to consume in advance. It was good to buy a car with more than 100,000 yuan, but it was necessary to get a Mercedes-Benz, BMW, Cayenne, Porsche .... At that time, it may be considered that there is no problem with income and loan repayment. If there is no way to open the door, there will be no income. At the same time, you have to pay rent or mortgage, and other expenses. You can only come to sell the car before you get a car loan, "said Sun Yanhui.

Loan to buy a car, even if there is a little trouble, the loan is not yet available. Wang Bin, the operator of the Huaxiang second-hand car market, believes that this is the impact of advanced consumption. "Some young people think about the problem a little bit more easily. For example, they earned a forty or fifty thousand yuan this month and bought a better car. After earning less in the next few months, their incomes are unstable and they will borrow from East and West. Repayment of loans, this epidemic is even worse. "Wang Bin said that during this time, young people had to sell cars because the loans were not yet available, accounting for 1% -5% of second-hand car transactions. "For young consumers, they not only lost the cars they once owned, but they also lost them at a lower price. During the epidemic, economic development temporarily slowed down. At this time, selling cars, the price is low. Because now the market It has n’t returned to normal, and there are risks for car dealers to collect cars. If the cars cannot be sold after being collected, it is very likely that the car dealer ’s selling price after one or two months will be the original price. "

Loan to buy a car can carry poems and distances that I can't reach

Even though there are a large number of people who have painstakingly sold cars because they have not gotten on the car loan, there are still a large number of people who are firmly on the road to buy cars with the leapfrog loan, and even become more determined because of the outbreak.

Nora, born in 1994, was a girl who had just returned from Shanghai to her hometown in Hebei to develop. She has been studying and working in Shanghai for 8 years. Like many people, she relies on the rapid and convenient subway, but this does not hinder the car dream in her mind. Just like many people choose a city because of "Go to Dali" and "Chengdu", Nora misses a car brand and a car model because of "Living". "I like JEEP because of a song." Nora hummed softly. "My poor jeep hasn't climbed a mountain or crossed a river in a long time. He's been depressed in this city. Although he didn't say anything , But I knew he was sad, and I quietly made a wish to take him to Mongolia. "

This song touched Nora very much. "It gives me a sense of freedom. There are poems and distances that I can't reach. The first time I listen to (this song), I decided that the first car in life is JEEP." Nora said, "This idea has never been No change, not only boys like JEEP. "

The sudden outbreak in 2020 made Nora more desperate to own a car of his own. Affected by the epidemic, various industries delayed the return to work, so that Nora, who had planned to find a stable job in February, suspended the progress. Although she has no income in the past 4 months, her idea of ​​buying a car has not changed at all. "If I can pay the full amount, I actually prefer to buy the car in full. However, the epidemic affected the income. In addition, I just returned and rushed to change the house and resettlement many things. I do n’t want the full amount. Since I must buy the car, then change it. Way, loan. "

For young people, since there is an idea, then act. After understanding the market, Nora said, "The people around me are all cars bought with loans. Many of them are interest-free. If you have an interest rate, it is not very high. The monthly repayment pressure is not great."

At present, Nora is still looking at JEEP models, hoping to put the dream into reality at a more reasonable price. "When I have a car, and when the epidemic is over, the first thing I have to do is drive the car and go out for a lap." Nora, who likes Sanmao, said he hopes he can come and go by himself.

Once he gritted his teeth to repay the loan and now hesitate again and again

Relative to Nora's simply buying a car with a loan, Sun Jia, who had been paying debts for many years, was a bit hesitant to buy a car with a loan.

Sun Jia, 27, was once a standard "moonlight family." This kind of consumption habit that never considers tomorrow will follow her for a long time. It didn't start to change until two years ago.

"At that time, the family was in urgent need of money because of a change, and I had no deposit, so I had to borrow from the bank." Sun Jia said. In order to repay the loan, she had to leave the "comfort zone" and switch to a real estate company. She worked hard on debt, and was soon promoted to the head of development by the company. "Although income has risen, almost all of it has been used to repay loans, and life is very hard." That is from that time, Sun Jia has a more thorough understanding of the life of "repaying loans".

Finally last year, Sun Jia, who had paid off the loan and had savings, and a partner invested in a jewelry store to start a sideline business. She was completely freed from her debts, and had the idea of ​​buying a car. "I have calculated that the income from operating a small store can completely cover my car loan. Therefore, I plan to buy the Lexus E200, which is already in line, later this year."

He Zeng thought that the arrival of an epidemic would make the industry market slump, and Sun Jia's plan to buy a car would also be stranded. Sun Jia said: "The epidemic has an impact on the company's benefits. I can't afford to expect any salary increases or project bonuses."

The uncertainty brought about by the epidemic has made Sun Jia, who has been a “negative man,” uneasy. “In this case, if the risk of buying a car through a loan is too high, once the work changes, the car loan will be a burden that is difficult to get rid of. . Moreover, the epidemic also made us realize that to resist the sudden "cold cold", only save more "surplus grain" on weekdays, so now the main goal is to save money. As for buying a car, you can wait again, compared to the exhaustion of the loan, I Do n’t mind taking a few more buses. "

The previous experience of "repaying loans" reshaped Sun Jia's consumption concept, and the impact of the epidemic on the economy and income gave her another lesson. Buying a car with a loan can indeed solve the temporary difficulties, but the consideration of the ability to repay the loan is not only a reference to the current income, but also a measure of the ability to resist risks in the future. At least, it cannot affect the basic standard of living. After all, the meaning of buying a car is to make life better.

In Sun Jia ’s words, “It ’s not easy to live with your teeth repaid.”

The epidemic disrupted my car buying dream

"I originally planned to borrow to buy the BMW 3 Series. It was a dream for me, but the sudden epidemic disrupted my purchase plan. Because I want to use the money where it is needed more." Yuan Yang, born in 1989 Slightly regrettably telling his current situation.

After graduating from college, she has worked hard in Beijing for nearly 10 years and has always hoped to live the life she wants through her own efforts. Finally, the little accomplished, she jumped out of the traditional fence to work for others in 2019 and started a business. Although the company is not large, it is always a career that entrusts her dream. After half a year of operation, the company is gradually on the right track, and everything is developing in the direction expected. So at the end of 2019, "I want to start a dream BMW 3 Series, which can be used for business as well as normal use."

Unfortunately, under the influence of the epidemic, Yuan Yang's car buying dream was disturbed.

"Affected by the epidemic, the company's return of funds is not very smooth. There are a lot of arrears outside the collection, which caused us to owe other people's money to pay out. I dare not move now. I plan to let go of the car purchase first. "Yuan Yang said. In addition, she has experienced several "roller coasters" recently. In particular, the US stocks have been melted down four times, which has turned many people into chopped leeks. Although she came out earlier, she was still affected.

Both the company's operating income and investment income have become uncontrolled under the influence of the epidemic, and Yuan Yang's consumption has also changed. During the epidemic, "I went to the 4S shop to consult again. The down payment and repayment are actually within my tolerance, but wait." In fact, Yuan Yang has the ability to buy a car in full, but this outbreak made She was deeply aware that she couldn't pay the money for consumer goods in one go. "If you take a loan, the interest rate is lower than the bank. Even at the same rate, I am willing to borrow money to buy a car. Instead of investing all the money in the car, it is better to leave it in my hand as a reserve fund for capital turnover or to respond to unexpected situations , Just like this outbreak. "

For Yuan Yang, spending the current "winter" is more urgent than buying a car. However, she also said, "After the epidemic has passed, I will definitely buy a car."

I choose appropriate leapfrog consumption

The sudden outbreak disrupted many people's car purchase plans, but also made more and more people realize the importance of having a car. Xu Zhong, who borrowed money to buy a car before the epidemic, sighed, "This decision is too correct."

Before the outbreak, Xu Zhonggang, 25, bought a Mercedes-Benz C-Class C260L with a loan of about 190,000 yuan, and now has a fixed monthly repayment of more than 4,000 yuan. "Everyone ’s goals and plans are different. Some people like the safety of saving money, and some people like the satisfaction of consumption. Like I chose a loan to buy a car, I will enjoy more convenient and comfortable in Beijing in advance. Life. "In his view, using the full payment of a domestic car or a joint venture car as the down payment can realize the luxury car dream in advance. Anything is appropriate.

"Beijing is too big. It is always inconvenient to take a taxi when commuting or going out. Especially in this epidemic, it is very troublesome to go out and take a taxi. It is not safe." It can be said that I used to think that loaning a car was a good decision Now, in the face of the epidemic situation, Xu Zhong is more determined that this decision is correct. "I drove back to Beijing by myself on the fifth day of the first month, and I didn't have to worry about safety issues on the road." And recently, at home, I was bored at home. Xu Zhong drove out to take a break and relax, "I don't need to contact other people, How good. "

After graduating two years ago, he owned the first car in his life, and it is still Mercedes-Benz. In the eyes of others, this consumption seems to be a bit overstepped, but Xu Zhong said, "The down payment is basically paid by myself, and some money is added to the family, but Not much, most of it is paid by myself. And for me, there is no pressure to repay. "It turned out that Xu Zhong worked in a head Internet company and had a good and stable income. Even during the epidemic, he still Monthly fixed rent, car loan, etc. can be delivered on time to ensure that the normal quality of life and rhythm are not disrupted.

In Xu Zhong's view, buying a car with loans is a relatively reasonable way of consumption. On the one hand, the car payment of about 350,000 yuan is still relatively difficult for the young man, but the down payment in the case of a loan is acceptable. On the other hand, the interest rate of the loan is lower than that of the bank. "Putting part of the loan in your own hands makes money to a certain extent. It is also a kind of financial management method, and you can enjoy the convenience of having a car in advance."

In Xu Zhong's concept, even if he can pay in full, he will choose a loan. In his words, "It is impossible to use all the money to buy a car. After all, you still need to live. You must always reserve emergency money. Therefore, I have chosen a satisfactory one in my own budget. Car. Like this epidemic, many people may have difficulty in turnover. "

Regarding leapfrog consumption, Xu Zhong has his own opinion, "appropriate leapfrog consumption is personally helpful to improve the quality of life. If it has been leapfrog consumption, it will not be promoted." Consumption needs to be based on balancing his income and expenditure, and After the ability to prevent risks. Xu Zhong said, "In case of special circumstances, such as no income, do you need to reserve a part of the emergency funds, at least to support six months, even if there is no work, but also to ensure that temporary work can meet the monthly repayment amount, Don't spend money blindly. "

"Many people around me like to leapfrog consumption, for example, earning 10,000 to 20,000. Under the condition of economic stability, appropriate leapfrog consumption is conducive to social development and can enlarge the consumer market. If the long-term leapfrog consumption is not good, there will be Some financial risks exist. "

Buy a car and resume work before the epidemic is safe and secure

"Now young people buy more cars than middle-aged people. In our store, the proportion of young people who buy a car with a loan is about 60%, of which the proportion of cars bought after 95 can be between 30% and 35%. However, after 95, the car is usually bought at home, and there are some cases of buying a car by yourself, but it is relatively rare. "Li Fei, born in 1997, was a salesman at the 4S shop in Chongzhou, Hebei Chuangtuo. Although he was only 23 years old, he already had 5 years of car sales experience.

In fact, Li Fei's identity is not only a sales, but also a young owner. In 2019, he bought a Roewe i6 fuel version at a 4S shop where he worked. He said, "I bought the car myself and did not use the money at home. Because it is an internal employee, there are no various expenses, and the maintenance is convenient. The down payment is 30%, within my budget, and the loan is interest-free for two years. The monthly loan is about 2,000 yuan, which is okay. "Because he is selling himself, Li Fei knows more about the way to buy a car with a loan. Therefore, his decision has integrated various factors. "I have a monthly mortgage of 2,700 yuan, and after adding a car loan, it is enough to spend."

Li Fei was somewhat fortunate that he had bought a car before the epidemic. "We resumed work in February. During this time, we drove to and from work. Whether we are ourselves or our family, we feel more at ease." The number of people has decreased a lot compared to the past, "There will be some impact on income, and the commission is less, but there is no problem with repayment. Now basically every month is flat in and out." No deposit, back loan, typical post-95s consumption.

"There will also be situations where the customer's repayment is not timely, but it is relatively small." Li Fei said, "especially when the epidemic broke out in February, some customers did not yet get a loan. We reported the situation to the manufacturer. The reply is that the customer can postpone the repayment for one month. Now that the work is resumed normally, the problem is not serious. "

Also borrowing money to buy a car before the outbreak, there was also Mr. Li, who did not want to be named. He was a nurse in the emergency department. Born in 1998, he had just started working shortly. Since he often worked night shifts, his family decided to buy him a car to travel. After consultation, the way to buy a car with a loan is considered to be more cost-effective, so in June 2019, he received a gift from his father, the MG MG6 top model, "Father paid about 100,000 yuan down, and I repaid 1,000 yuan per month. There is not much pressure. "During the epidemic, he insisted on his post because he was accompanied by a car, and his family was more at ease.

A thousand people have a thousand flowers chanting life, some people live leisurely, some people live East and West to borrow ...... Little brothers and sisters, what kind of life is your flower chanting?

Text / Wen Chong Zhang Yuhao