First, the pre-sale profit point of automobile 4S shop:
1, loan
When many partners go to a 4S shop to inquire about buying a car, the general salesperson will directly ask you a question: "Sir, are you buying a car in full or with a loan?" Based on people's curiosity, you will generally answer "Is there a difference between full payment and loan?" Correct, not the same! About 0 years ago, the whole loan was cheap and expensive. In recent years, the trend has changed and loan subsidies have increased. On the contrary, it seems that the loan is cheaper, and suddenly we don't know how to choose. If you still insist on the full payment, the sales consultant will take pains to tell you the benefits of the loan, such as the spare money can be used for investment and so on. Before you know it, you will find that the loan is really cheap! Well, here's the question. If you get a loan, what's good for the 4S shop? The answer is that if you pay the full amount, the 4S shop only earns the corresponding money from the car dealer. If you get a loan, in addition, the 4S shop will earn the loan fee you paid to the bank for the loan. As far as I know, the current fee is rarely less than 5000.
Do you want a loan or not? That is the general ledger. If you have a hobby of financial management, or a business operator, etc. In short, if the full amount-full down payment (including down payment and handling fee, etc. ) loan to buy a car-invisible payment (full insurance bundled for three or even five years) * my annual rate of return * loan period > loan fee+loan interest+invisible payment (bundled insurance), you can buy a loan, and vice versa.
2. Boutique
When all the cars are ready, you can place an order. At this time, the salesperson will tell you that the current car purchase gift package is often bundled. Without the gift package of * * *, you can't pick up the car for * * * ten thousand yuan. This situation is very common in the sales of high-end brands and can hardly be shaken. The lower the brand, the easier it is to pay the premium. In fact, with my years of experience, I often increase the price of gift packages by 10000 yuan, and the cost does not exceed 4000 yuan. In addition, the current 4S stores are more profitable. It is more willing to let you choose the best products that don't need to be installed. If it is installed, it will add extra working hours. Therefore, if naked cars can be mentioned as much as possible and there is a real demand for high-quality goods, you can buy them online or in the auto parts city. Most 4S stores choose to buy high-quality goods locally, and even the workers who install them are in the auto parts city.
3. Insurance
Everyone knows the depth of insurance. If you buy a car in full, you will almost buy it in a 4S shop in the first year, and it is all-insurance. If it is a loan, it will be bound to all risks of the corresponding years according to the loan term. In fact, the profit of this model is very considerable. Let me take a family economy car as an example. Excluding the compulsory insurance and the travel tax charged by the insurance company, the minimum commercial insurance is 2000 yuan, which is the discount price. On this basis, on average, there should be rebates above 600 yuan. If it is a small insurance company, it may be above 800 yuan. This is the profit of 1 economy car. If it is a five-year high-end car, the profit is also very objective!
4. Extended warranty period
Send a screenshot to everyone first.
After reading it, everyone will understand that it is actually to let you continue to be its customer. Even if you don't buy this extended warranty, it is eager for you to go. Well, it's a marketing tool, because consumers spend money better than nothing. Of course, here is also a suggestion for personal quick repair factory. Your competitiveness is more professional than that of 4S stores, and even cheaper than that of 4S stores. Of course, it would be better if there were better service and environment at the same time!
5. After-sales financial products
In recent years, after-sales financial products have emerged in an endless stream, and many people are afraid of it. I don't think it's necessary. Here I tell you a principle. For example, some 4S stores aim to upgrade their members. If you apply for a membership card, you can enjoy free maintenance for life with the stored value of 1 10,000 yuan. This 10000 yuan can be withdrawn at any time, and of course the service will be cancelled accordingly. Many people don't understand the principle, which is actually equivalent to the fact that 4S stores are a financing platform. No matter what kind of enterprise exists, cash flow directly determines the rise and fall of an enterprise, which is also the core reason why almost all single stores have been monopolized or directly disappeared by group mergers and acquisitions in recent years. Moreover, there are smart business owners who use customers' money to finance, turn it into cash flow of enterprises, and then provide services to car owners free of charge. In fact, it is nothing more than using the interest of your own money to maintain it for you. Of course, the law of large numbers is added. After all, more car owners just use cars in cities, just like insurance companies.
In this case, should I apply for such a membership card? The formula can be applied: annual maintenance times * single amount > recharge amount of membership card * personal rate of return, as long as this is the case, it can be handled, otherwise it will not be handled.
6. Used cars
There are many 4S stores that provide second-hand car replacement services. Recently, in order to better promote the sales of new cars, they are bundled. If you buy a new car in my 4S shop, the used car will get a high evaluation. In fact, changing the soup without changing the medicine is nothing more than adding the profits of new cars to used cars. This is very simple. Ask the price outside. If the second-hand car outside has a high evaluation, go back and buy a car with cash, so there are more choices. If the replacement method with a used car is appropriate, it will leave complicated procedures and time, which is also a good method.
7. Inventory of cars and purchase of cars
Regular inventory and buyout, everyone is a little worried, afraid of problems, but it is not. If you really encounter such an opportunity, you can place an order now. Let's talk about the stock car first. For hotels, the number of tables is fixed, but in order to be more efficient, it is necessary to improve the turnover rate. For enterprise operation, the ability to operate funds is very important. If there are more than three cars in the garage, it is a stock car. Take a car with a price of100000 yuan as an example, the interest rate of general corporate loans is between 7- 15, and the capital occupation for three months is about 3000 yuan.
In addition, buying out a car is often because it wants to produce a new model. This car factory will concentrate on packaging and have operating dealers to buy and sell. Usually there will be a considerable profit at this time. If you are not a pragmatic person who is very concerned about fashion and leads the trend, you need to act quickly when you encounter such an opportunity. By the way, the market price of my first car is 48,800 yuan. Because I have the goods and catch up with the new model, I won it at 38,800 yuan, so the purchase tax, insurance and so on are based on 38,800 yuan. Then when I sold the used car, it was based on 48,800 yuan, so I sold it for 35,000 yuan two days later. Is everyone suitable?
Second, digression: I have ten years of experience as a car owner, with a mileage of nearly 200,000 kilometers. As an old car owner, I'd like to talk to my partner who is about to become a new car owner about the following two topics, which belong to extra meals.
1. Is a car an asset or a liability? This is the first question, you must think it over before buying.
What is an asset? In layman's terms, putting it in your pocket can bring you more benefits. What is debt? Putting it in your pocket will bring you more money. More specifically, if you are a business person, you run two customers every day without a car, with a monthly performance of 6.5438+million and a commission of 6.5438+million. If you have a car, your efficiency is improved, you can run 5 customers every day, create 250 thousand performance, and the commission becomes 25 thousand, then this car is an asset to you; If you are just an office worker who buys a car, you have to pay insurance, parking fees, maintenance fees, maintenance fees, car washing fees and so on. Of course, if you like drinking and socializing, the driving fee is also a big expense, and it is a net expense, which has not increased at all, and may be considered as a debt. Of course, you must buy assets, and it is best to set your own income target value after you own assets. If you are in debt, you don't have to buy it, but it depends on whether this part of the cost is within your tolerance. Here is a family standard & poor's for reference only.
2. How to make life convenient and healthy? The second question is a bit like throwing cold water on the new owner. In fact, I just hope that everyone can be more rational and analyze the pros and cons.
If I am a person who takes the bus and subway every day, I think the number of exercise steps every day will not be less than 10 thousand steps, while I, driving every day, will basically be less than 3000 steps. What are the disadvantages? All kinds of sub-health, cervical vertebrae, shoulders, back, waist, legs, metabolism, all have problems, not to mention the illusion of inertia and living standards. Therefore, cars make it easier for us to travel and expand our living radius. However, before owning a car of your own, please think about how to ensure the same amount of exercise as before.
Third, well, that's all. A little wordy. I hope I can help you. Finally, summarize the following three points.
1, not afraid of the pit of 4S shop, afraid that you don't know how to be cheated.
2. select assets > liabilities; If you have to choose liabilities, it is more appropriate to be within the scope of assets you can control.
3. Before buying a car, fully consider the advantages and disadvantages after buying a car, make full use of the advantages after owning a car, and avoid the disadvantages after owning a car in advance. Feel free to play.
Finally, I would like to thank my friends for inviting me to output an article, and thank those who can read it at the end. Thank you. This article is a personal opinion and is for reference only.