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Chapter 257 The pit of used cars

The number of cars in the United States today is basically the same as in 20 years, because it is really difficult to have no cars in the United States.

There are few people in the land, and rich people live in commercial neighborhoods. Yes, houses in commercial neighborhoods are convenient to live, but the house prices are not low.

Generally, they are located near township farms and farms. There are also a group of people who are close to the cemetery. They have to drive shopping, because the four are not reliable.

Houses near downtown areas, to be precise, houses that can reach the business district in a fifteen-minute drive are no longer cheap. The business district not only has commercial sectors, but also education and medical care.

This is also why some international students have to buy cars after going abroad, but many people think that it is a prodigal, not a prodigal. Most of the houses rented by international students are in the suburbs of the city.

Every day, I have to wait for buses and trains to go to school, and the distance is long. The BMW 3 Series only has a used car and a 20,000-meter-high price, and some are only over 10,000 yuan.

Most people buy a second-hand one. If they have a new car, they usually buy a Japanese one, which is mainly cheap and fuel-efficient. A new car like the Corolla and Civic is about 20,000 US dollars in the United States, which is similar to a second-hand BMW 3 Series.

In fact, this price is similar to the price of Japanese cars sold in China, but one thing that anyone who knows car knows is that few car dealers dare to play with three simple items when buying cars in the United States.

Another point is currency. In fact, many short video bloggers have changed their concepts and deceived some people who are not so knowledgeable in order to attract traffic.

For example, a blogger said that a portion of fried chestnuts in a European country was sold for twenty euros per pound, which was considered as our domestic money. Then he said that he was unscrupulous and had to make it by himself. He drove a hundred kilometers away to buy consumables and asked people for skills, and finally spent at least a few hundred euros.

The purpose is to attract traffic and deceive followers. Do you think the blogger knows that this cannot be calculated by converting currency?

People work there for four or five thousand euros a month, just like we earn three or five thousand salary per month, and domestic chestnuts are worth twenty-one pounds. Why don’t the blogger exchange Yue coins? Because he knows that he will not get attention.

Some domestic audiences think that I have made money, but abroad actually requires twenty euros to eat a pound of fried chestnuts, which is intentionally fooling people.

Having said that, now a Civic or Corolla in the United States costs $20,000, a Mustang and Bumblebee cost about $30,000, and a basic Cayenne can be bought for about $60,000 or 70,000.

The more expensive the luxury car, such as Bentley, it costs about 300,000 to 400,000 US dollars. Do you think this cheaper one won’t make it?

For auto insurance, it usually costs about 2,000 to 3,000 US dollars a year. Compared with the price of the car, it is actually not low, but it is similar to buying insurance in China.

In 2000 years, the younger you are, the more expensive you buy insurance, which is also the characteristic of the United States. If you buy auto insurance at the age of 18 and 20, you will be cheaper if you are twenty because they feel that they are older and more mature and stable, the accident rate is low.

Okay, after talking about the car, let’s talk about why Japanese cars worth more than 20,000 yuan are easy to sell. First of all, the consumption and later maintenance cost are low, and secondly, it is indeed cheap.

Then everyone has cars, and the cars are like the electric bike we ride. Will you compare electric bikes with people every day?

This is just a means of transportation. Everyone will envy luxury cars, but they won’t think they have to. They just think they are cool, but they are beyond their financial capabilities.

Another key point is the debt ratio. As mentioned earlier, the US financial crisis is caused by the debt ratio. If you don’t stop using credit cards, you will pay a lot of debt every month, so you won’t spend too much money to buy a car, and you are afraid of paying off your debt again.

Then there is the employment population problem. Until now, the unemployment rate in the United States is still very high. Every boss who comes to power is solving this problem, but it still cannot be solved because he cannot retain companies. The previous article also mentioned why the tax cannot be retained is high, especially the taxes for the rich are too high.

Although old leeks dare not buy luxury cars and think that it is enough to transport them, young people are actually the same all over the world. They like to show off and show off, especially when buying a good car, they can show off at the same age.

This group of people is Chen Shi’s goal.

Chen Shicheng received a batch of BBAs, a batch of supercars and coupes.

The United States is a major immigration country. If you make money in the United States, you will not feel that the currency is ambiguous. But if you want to make money in the country, it is definitely a currency ambiguous consumption.

In the early days, the group of Chinese people made money in the United States and sent it back to China, and they could really feel that they had made money, as long as they were saved abroad and lived frugality and swallowed their anger to give their families good food and drink.

Chen Shi spent an advertising fee and advertised online with a TV channel: Bumblebee drives home from 0 yuan, Lamborghini only needs a down payment of 20,000 yuan, and more low-priced cars choose Yougua used cars.

Advertising is overwhelming publicity, targeting young customers, international students, local youth, and some who don’t have the money to buy cars.

What do these people have? Youth, time.

Can I really drive home with 0 yuan? Sorry, after the loan process, then pay the service fee. The service fee is generally 10% of the loan amount. For example, if you buy a car for 30,000 yuan, you will pay 3,000 yuan first.

If you pay these three thousand, the monthly interest rate is higher than the bank's loan interest, but it will be in the name of the bank. In the early days, the bank lends it to third-party financial institutions. The third party takes out the interest rate from the bank four or five miles, and one to three cents of interest will be given to those who buy the car.

In recent years, domestic crackdowns have been severely cracked down, and interest rates have been basically low. Most banks have done so by themselves, and the interest rates are more than nine miles apart, and the interest rate is no more than one cent.

Then install gpps for your car. If you buy a used car and you have a loan, then you can bargain directly. GPS will charge 1,500 to 2,000 yuan, but this fee can be avoided. How long will the car notebook or similar real estate certificate be taken away to pay off the debt? It is impossible to trade without this.

As mentioned earlier, 0 yuan is required to buy a car, and the service fee is just enough for one or two months of interest. If you don’t pay back the money in the first month, then you will tolerate it for a month and go to the trailer in the second month. You have already given a month of interest and are suing you for compensation.

Don’t think about not being afraid of prosecution. If someone has a professional lawyer, you will definitely let you spit out the penalty, otherwise you will have no peace in your family and find a third party to urge debts.

Now there are very few down payments for 0. Generally, you are optimistic about a car. If you have 60,000 yuan, you want to pay the car dealer a down payment of 30,000 to 40,000 yuan, and you can borrow 20,000 or 30,000 yuan from the bank. I will pay the interest in three years and there is no money in a month.

Then you think too much. If you have a car worth 60,000, you will only pay 10,000 yuan down payment, and then you will get a loan of 50,000 yuan for three years and 50,000 yuan, and Jiuli interest. Your loan interest will reach more than 20,000 yuan. If you want to buy this car for more than 80,000 yuan, don’t think about repaying the loan in advance.

The other party will say that you can repay the loan in advance, but if you really repay the loan in advance, there is another additional information that will tell you to deduct three years of interest in one go.

Why do second-hand car dealers ask you to take out a loan? After you borrow, the bank will basically directly rebate them four or five thousand, and the same is true for new cars.

New cars now say that they have 0 interest for two years. If you pay a down payment or drive a 0 yuan home, you will be charged a service fee. You can reduce the amount of money if you don’t have a loan, but you will basically not give up a penny if you don’t have a loan.

If you want to buy a used car, you have plenty of money and try your best to pay the full amount. Here we refer to a used car. If you add four or five thousand more to the original frame, you will give the second-hand vendor a kickback directly to the original food.

When buying used cars, don’t buy popular cars, such as Sylphy, Lavida, Corolla and Civic, because the difference between used cars and new cars is only 10,000 or 20,000 yuan.

Buy new cars directly, buy Buicks and other used cars, because there is no value retention rate, the price drop is too fast, or some cars with a five or six year-old age period, otherwise the market is now chaotic, and it is better to buy new cars than family cars.

When buying a used car, it is best to prepare a contract for the car dealer to sign it. The contract says there is no accident or water soaking, and the three major items are free of problems. If you inspect the car, there will be a third-party vehicle inspection agency or some used car platforms. They all have a warranty period of one year.

The trick here is that Ma Qi was not hospitalized a while ago, so he went to a friend’s second-hand car dealer to ask, which can also give book friends an objective understanding.

I'm giving you some time to avoid pitfalls. This is very serious when using a second-hand car meter adjustment. Generally, car dealers will clean up the car when they take it back. You can't see anything, but you can look at the new and old interiors, the wear and tear near the steering wheel, and as for the production date of the car glass tires, used car dealers can also make it.

The simple thing is to check the frame number, use some software that specializes in checking repair accidents, pay 30 or 50 to check the maintenance records of the 4S store, and whether there are accidents, they will generally be displayed. Which software is not recommended here, you can search it yourself.

Then check the insurance, check whether there are any major accidents in the insurance of this car, and try four doors. Now some used car doors have been moved, but it is actually easy to try it out and close and open. The simplest front door is generally heavier than the rear door.

But there will not be too much difference. If you feel that the weight of the four doors is too great, then there will be something tricky. There will be a rebound in the door, which can be felt at once.

There is nothing else, but the market for used cars is too deep at present. It is better to buy new cars for family cars now because the price difference is not large and there is a warranty.

If you want to buy a car for the first time, don’t buy an unpopular car. Unpopular cars do not maintain their value and have high maintenance costs. Simply put, the output of accessories is too small, and the repair costs are naturally high.

If you want to buy a used car, it is within 100,000 or about 50,000 or 60,000. If you don’t consider the fuel consumption, buy Buicks and other things, because the price difference between this type of car and used car is really huge. The price drops too quickly.

Also, domestic cars and Korean cars have quick price drops. Except for a few popular cars, they are basically half-distanced. Domestic popular cars like H6 are very valuable, and there is no huge difference between used cars and new cars.

Why do I write this? Because there are a few book friends who want to buy a car or used ones, I specially contacted a big car dealer and asked about the tricks.

There are indeed water-soaked cars and accident cars in second-hand cars, just like renovating mobile phones. There are specialized business for renovating. Some used car platforms are thousands of more expensive than car dealers.

Although the used car platform also upgrades cars from these car dealers, there will be a review and will also take commissions from used car dealers and bank commissions plus a service fee of about 3,000 yuan.

But if you are not sure about using used cars, it is recommended to buy cars on the used car platform. As for everyone's curiosity, how much can a car dealer earn by selling a used car? Generally, second-hand cars worth over 30,000 yuan will be recycled for over 20,000 yuan. With the commission given by the bank, it will only earn more than 10,000 yuan with tears in your eyes, but car dealers also need to advance money. It is no problem to earn seven or eight thousand yuan for a car.

As for the popular car clothes nowadays, it is a new industry. There are indeed many markets. Car clothes of different colors and patterns can be pasted to decorate the appearance of the car, but the main one is the anti-scratch paint slogan.

If your car does not have more than 400,000 or more, there is really no need to stick this. A car clothes cost about 3,000 yuan. A car for 100,000 yuan and 200,000 yuan, the whole car will only be painted from 3,000 to 5,000 yuan, and the paint will only be one or two hundred yuan.

But cars with a height of 400,000 are basically pursuing original car paint. If you touch it, it will take 18,000 yuan. This can be used to apply the car clothes to prevent scratches, but it is just a slight scratch. If you say that the big scratches are actually useless, but cars with a height of 400,000 yuan, the car clothes to start with 10,000 yuan, which depends on the person's order.

If you have a car worth more than 100,000 or 200,000 yuan, just wax and maintain it. There is no cost-effectiveness to stick car clothes, but if you are not short of money to pursue some personalized patterns, you can stick them out, but those with patterns are several thousand more expensive than those with the same color.

If you want to start a business, you can run a car wash shop and match it with car clothes. What do you mean by this? It depends on your technology. The cost is not too high. You can buy less car clothes and get some samples. After the customer places an order, you are getting the goods from the manufacturer. The main thing is the technology of car clothes, just like applying film. It is best to go to the car beauty shop to learn first and then go to work.

······

To put it bluntly, Chen Shi wanted to earn interest, not the difference in selling cars. After his Jiangcheng Bank was renamed Tuoshi Bank, he basically had no orders and business, but if he tied these people who bought cars into bank customers, he could also earn interest and increase customers.

Most young people don’t think too much, they just want me to spend the least amount of money to drive my favorite car, and a car with a license plate.

Chen Shi not only makes used cars, but also has a 3Q mall. Young people can enjoy free twelve periods, twenty-four periods and other interest-free installments, as long as the price of the product is raised, it is also an interest-bearing installment.

Moreover, you can also get customer information, and other products can be delivered accurately at that time.

After doing all this, Chen Shi booked a plane ticket and was preparing to return to China for the New Year. It was about to be 2004. Chen Shi has been out for two years since 2002 and has gone back with the money.

In 2004, it was the year when the third generation of entrepreneurs rose. The entrepreneurs in China were generally divided into a group of the 1980s, such as Zong Lao, Ren Lao, Feng Mr. Feng, and Liu Zhuanqi.

Then there is the 92 school, this is the second generation of entrepreneurs, and this generation is also the generation with high diplomas in the three generations. Many of them are behind the scenes, and they are not visible and not leaking.

Representative figures include Mr. Chen who carried insurance, Mr. Yu from a training institution, both are younger brothers, and Mr. Wang from a certain electric car, Mr. Wang from a certain Yadian. This group of people is finally high-profile, and no one likes to be in front of the camera.

The third generation is Sohu Zhang, Shuangma’s generation made a fortune in the Internet, and the fourth generation is Pinxixi and Mei Takeaway.

Among the four generations of entrepreneurs, if anyone is a godfather, it is not Duan Xping. This guy mentioned it more than once. The heads of several well-known entrepreneurs in China are his disciples. Even the Tu Express, which recently made Shunfeng Express and Sitong Yida, was also founded by his disciples.

Chen Shishi wanted to copy Lao Duan's path, and each company found a spokesperson. Lao Duan not only knew how to train disciples, he was also a first-class investor. He was both a shareholder of Fruit Mobile and Ding Sanshi's company. His catchphrase is: It is not surprising to keep the truth and dare to be the best in the world.

He was also the first to retire in the four generations. He lived in seclusion at the age of 40 and played online games without any trouble. Chen Shi felt that he would retire earlier than him and strive for money to retire at the age of 35.

On the first day back to China, Chen Shi received a call, a call that he wanted to help manage the company's market value.
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