answers various questions for migrant workers, talks about the rights and wrongs of the factory, and discusses the way of survival with migrant workers. I am a migrant worker, and writing is not easy. Welcome to pay attention!
has dreamed of buying a house for every car since he was a child, but he never imagined that he would buy a car with a loan. The monthly salary is only 4,000 yuan, and I have to pay back 3,750 yuan every month.
For ordinary migrant workers, I would like to warn you as someone who has experienced this: Never take out a loan to buy a car if your finances do not allow it.
Let me talk about my car buying experience. From the time I bought the car to now, I have been working in a factory with a monthly salary of only 4,000 yuan. However, in order to fulfill my dream of owning a car, I took out a loan of 90,000 yuan and bought an . sylphy of nissan . The monthly payment is 3,700 yuan. The loan is interest-free for two years, totaling RMB 90,000.
When I bought a car, I had 100,000 yuan and a down payment of 50,000 yuan. But I still had a deposit of 50,000 yuan, so I thought buying a car would be easy. But when it came time to repay the loan, my heart dropped. In less than two years, all the original savings were spent on various purchases. Based on the monthly salary of working in a factory, which is 4,000 yuan, I have to spend 3,750 yuan every month to pay off the car loan. After paying off the car loan every month, I won’t even have enough money for food.
Now I regret it. I only blame myself for following the trend. I feel that everyone else has bought it, and if I don’t buy it, I will fall behind. So now that I see some people taking my path, I must stand up and say one thing: Don’t take out a loan to buy a car unless you just need it. Never forget that we are just workers.
Worker: My car is also a 100,000 car. Now 7 years have passed and it is indeed worthless, but I will never sell it. If I sell it, it will not get the price. It is better to keep it. It will be useful when it is windy or rainy. There is no need to buy a car just for appearance. If you don’t have time to drive it, buying a car is really unnecessary. In short, it depends on your needs.
Migrant worker: It comes in the wind and goes out in the rain. Some are old and some are young. The income is not high. I am debating whether to buy or not. If you buy it, don’t worry about the distance. If you save some money, you can still afford it for three to five to eight years. I won’t buy it, but sometimes, I really want to have a car for convenience. However, what I am struggling with is, should I buy it just for convenience?
Worker: I also followed the trend and bought it. To be honest, I regret it now and can’t afford it. I bought it because I was crazy, but now I have to work in the factory every day. Nowadays, oil is expensive and my car has not been used for half a year.
