BBA's car maintenance costs will be higher than imagined. Even today, when the price of BBA's mainstream models has dropped below 300,000 yuan, an annual salary of 100,000 yuan may not be able to easily afford an Audi A4L, 3 Series and C-class.
Today, when the price of 34C has reached 300,000, it seems that countless people’s dreams of luxury cars can be touched by standing on tiptoe. Indeed, in this market where car buying benefits are frequent and the threshold for buying a car is lowered step by step. It seems that it is not difficult to maintain a car with a monthly income of 8,000 yuan.
But is it really not that big? I'm still skeptical.
01 Buying a car at full price is indeed stress-free.
You can buy any car with full payment, even if you have a monthly income of 8,000, there is no pressure to buy a 5 series.
The cost of using a car is mainly divided into three parts: oil price, maintenance and insurance. Based on the intensity of vehicle use of 2000km per month, even today when the oil price is 10 yuan, the monthly fuel cost is only 1500 yuan. about.
The annual cost of oil is less than 20,000 yuan.
The annual cost of insurance is about 7,000 yuan. Based on the analysis of twice a year maintenance and expenditure of 2,000 yuan, then comprehensively, the annual cost of fuel expenses is only about 30,000 yuan.
With about 30% of annual income to maintain a car, there is indeed no pressure.
02 When buying a car in installments, the pressure is infinitely greater.
In fact, most people buy cars in installments. The monthly payment is basically around 6,000 yuan, which basically consumes their monthly income and requires a large amount of budget to repay the car loan.
This is also the fundamental reason why many people “can’t afford it but can’t afford it”.
Installment purchase of a car is not strictly a car purchase, but rather an overdraft of the future quality of life in exchange for a luxury car. The future quality of life will definitely be compressed.
So when buying a car in installments, what is the appropriate basic monthly income for starting a BBA?
Only with a monthly income of more than 15,000 can you buy a BBA with a smaller budget without compromising your quality of life. The average monthly loan repayment is about 6,000 yuan, with gas expenses of about 1,500 yuan, insurance expenses of about 7,000 yuan a year, and maintenance costs of about 2,000 yuan a year, there is still a certain amount of budget left to take care of family and life.
03 Advice to young people, there is no need to buy BBA
BBA. At present, the brand value is obviously overdrawn, especially the market awareness of BBA models under 300,000 is not as strong as in the past. With the strong rise of independent brands, new forces are overtaking them. Under the current market conditions, 34C's biggest advantage is to retain the sense of self-superiority of traditional luxury brands.
However, from the perspective of space, intelligent experience, and comfort level, in fact, the 200,000-class joint venture family car is already at the ceiling level.
In other words, the Teana , Accord , Camry and other models that can be bought for 200,000 yuan can already meet most car needs in daily use. Driving an Audi A4L or 3 Series may not be much better.
04 The 200,000-class family car is already the ceiling of the household.
Regardless of the brand, if you choose a 200,000-class joint venture car , such as the Magotan .
The monthly payment can be reduced to about 4,000 yuan, the gas fee can be reduced to about 1,000 yuan a month, and the monthly insurance + maintenance cost is about 400 yuan. In other words, even with a loan, the monthly car maintenance cost Directly reduced to about 5,000 yuan.
Compared with the cost of car maintenance of luxury brands, which can easily reach 10,000 yuan, as long as the quality of life and travel quality are not affected, in fact, the 200,000-class joint venture car is the best choice for home use.
Of course, the reason why luxury brands are so attractive is because they have better consumption stratification. This is also the reason why a large number of consumers pursue BBA. Even if they cannot provide a better travel experience, there will still be a large number of consumers. recognized.
