I Haven’t Graduated Yet, But The Beauties From Two Schools Started Fighting In Front Of Me

Qin Feng didn't have many optional extras, but they cost hundreds of thousands. In the end, the price of this Panamera was close to 3 million, just as Su Ruolin guessed.

"Mr. Qin, would you like to ask for the full payment or an installment loan?" The hundreds of thousands of additional installation fees and a lot of commissions, An Ran smiled brightly: "My personal suggestion is to choose an installment loan, so there is such a short-term financial pressure. It’ll be a lot less.”

"No, just the full payment." Waving his hand, Qin Feng did not follow the other party's suggestion, but chose to pay in full.

"Why not get a loan?" Su Ruolin felt like she had turned into a curious baby today. She even forgot that this was the first time she had asked Qin Feng this question.

"From the perspective of the 4S store, they certainly hope that customers will choose installment loans." Qin Feng explained: "Although the interest on the loan to buy a car is waived, the handling fee still has to be paid, and it needs to be paid in one go. . The total price is generally a little higher than paying in full.”

"The handling fee alone is a good income for both sales and 4S stores."

"In addition, have you noticed that many 4S stores will purchase car insurance for the first time as one of the conditions for interest-free installment payment, as well as license registration, etc., because the profits here are also very considerable. .”

"If you say so." Su Ruolin opened her mouth slightly: "Then the 4S store is very profitable?"

"Whether you buy a car in full or in installments, there will be no loss for the 4S store." At this point, Qin Feng looked at An Ran. The beautiful saleswoman was now speechless in surprise: "The only thing that has changed is How much does our buyer pay?”

"Let's put it this way, paying in installments costs 10 to 20 percent more than buying a car outright."

"Is it that much?" Su Ruolin said. She knew that the loan installment would definitely cost more, but she didn't know that it would cost so much more.

According to Qin Feng, if installment is used, wouldn't it mean that the installment cost of a car would be hundreds of thousands more than the full payment?

"Because choosing installment will inevitably require a loan, and the loan also requires handling fees. This is what the 4S store earns." Qin Feng explained in another way: "And if you choose installment, you also need to buy insurance and theft insurance in the 4S store, because in the 4S store, Before the car payment is paid off, the car still belongs to the 4S store.”

"Doesn't that mean that even if I paid the down payment, the car is still not mine?" Su Ruolin was dumbfounded. Even Hu Meizi didn't know so much.

"Correct answer!" Qin Feng said with a cowardly expression: "Instalment is essentially a loan for you, but this kind of loan does not have any risk."

"What the 4S store earns is actually the commission and handling fee provided by the loan. This commission includes the commission from the insurance company and the commission from the lender. This money is more than the money earned from selling cars."

"Actually, it's not just about buying a car, it's also about buying a house." Qin Feng shrugged: "Moreover, if we buy a house in installments, the longer it takes, the more we will lose."

"For example, the maximum term for buying a house with a mortgage is 30 years, but in fact, if the loan is really full for 30 years, the interest will be enough to buy a new house of the same value."

"This is why many people try to pay off the balance as early as possible, because the interest is enough to buy them a drink."

"So, if you are able, whether you are buying a car or a house, it is best to pay it off in one lump sum." Qin Feng shrugged: "Of course, this is if you are able, otherwise you can only choose an installment loan. .”

No matter in this world or in the previous life, capital has never been a philanthropist, Qin Feng has seen it clearly early on.

Su Ruolin's eyes were filled with admiration. She actually didn't understand much of what Qin Feng just said, but this did not prevent Su Ruolin from knowing a little.

That is Qin Feng knows a lot, knows more than them!

"Mr. Qin, if you hadn't just said that you just graduated from high school, I almost thought I had met an old expert." The beauty salesman An Ran was also convinced.

After working in this industry for a long time, you actually know these things, but for someone who has just graduated from high school, it is a bit scary for someone who has such a clear understanding of the connections.

"It's one thing to know, but you still have to buy a car, right?" Qin Feng blinked after hearing An Ran's words.

"Giggle!" After being bitten by Qin, An Ran couldn't help but laugh: "If Miss Su hadn't been here, maybe I wouldn't have been able to help chasing you, Mr. Qin."

After that, An Ran stood up, she needed to go through the next procedures for Qin Feng.

…

"Isn't it great?" After An Ran left, Su Ruolin leaned into Qin Feng's ear and laughed softly: "The salesperson just now was also a beauty. Isn't it a great sense of accomplishment to be said by such a beauty? "

"It's okay, it's just jargon." Turning his head and looking at Su Ruolin's pretty face close at hand, Qin Feng joked: "Besides, she is not the first person to pursue me. Isn't there already one here? What?

"Bullying me again!" Under Qin Feng's gaze, Su Ruolin quickly retreated. A beautiful blush rose on her cheeks and spread to her ears, adding a strange charm to her.

Ah!

Seeing Su Ruolin turn her head, Qin Feng smiled in his heart and said, little girl, you are still far behind.

…

Signing the contract, paying the deposit, and paying the full amount were much faster than an installment loan. It only took about ten or twenty minutes, and Qin Feng had already handled all the procedures.

"Mr. Qin, I will give you information when the car arrives." An Ran handed the contract to Qin Feng: "The balance will not be collected until the car is inspected and delivered. If there is any dissatisfaction during the delivery, you can Put it forward on the spot and we will try our best to meet your needs.”

"Sorry to trouble you." Qin Feng took the contract and pulled Su Ruolin out of the 4S store.

It wasn't until the two figures disappeared that An Ran came back to her senses. This was the first time she had met such a guest.

Immediately, An Ran shook her head and walked back to the store happily.

Although there is no installment loan, her commission will be reduced, but it is better than losing a piece of performance.