Looking at the entire passenger car market, there are still only a few consumers who can afford BBA. With a consumer market of more than 20 million, BBA's annual cumulative sales of 2 million clearly tell us that users who can afford BBA only account for 10% of the total market.
Affordability and being able to actually maintain it are two completely different concepts. The pressure of installment loans to buy a car, the foreclosure of being unable to repay, and the helplessness of compressing the quality of life to maintain a car also make up a large part of this group of people.
For many people, BBA seems to be a commodity that improves the quality of life. Buying a so-called luxury car is the dream of many people.
The cost of owning a luxury car is actually higher than imagined. In addition to the one-time payment when buying the car, the subsequent maintenance costs will greatly occupy the daily expenses. If the monthly salary is not high, it will be difficult to maintain a car.
01 Where does the money for buying a car come from?
owns a BBA, we first need to know where the money to buy the car comes from.
Take the most entry-level Audi A4L as an example. The landing price is basically around 300,000. Assuming that it is paid in full, for an ordinary consumer with a monthly salary of 10,000, this is at least two and a half years' salary.
In fact, it may take 5 years or more to save 300,000 yuan. This is a huge sum of money that can only be saved under the condition of high-intensity compression of life quality.
For consumers who have the ability to save money, they will never buy a luxury car worth 300,000 yuan at a time, because consumers who can save money are already very rational, and luxury cars are basically out of their reach.
If it is installment, the down payment is about 120,000 yuan, and the installment fee is about 5,000 yuan.
Then you will spend 50% of your monthly salary to finance a car, and the daily pressure of life will obviously increase. Even without a mortgage, the problem of food, clothing, housing and transportation is more obvious.
Just from the perspective of buying a car, a monthly salary of 10,000 yuan, whether it is full payment or BBA in installments, is very stressful.
02 The pressure of maintaining a car is not small.
If it is a mortgage, you bite the bullet and buy an Audi A4L. In fact, the pain has just begun, because the cost of maintaining this kind of car is not low at all.
The annual insurance cost is about 5,000 yuan, calculated based on running 10,000 kilometers a year, the fuel cost is about 6,000 yuan, the annual parking fees, car wash fees, and fines are calculated based on the cumulative 1,000 yuan, and the maintenance cost is calculated based on 600 yuan.
Then the additional annual expense of owning an Audi A4L is about 12,000 yuan, which works out to about 1,000 yuan per month.
With a monthly salary of 10,000 yuan, a mortgage of 5,000 yuan, and a car maintenance cost of 1,000 yuan, that is, 60% of the monthly payment must be given to a car. Considering very real issues: whether to buy a house, whether to buy a house, whether to install pipes, whether to afford clothes, etc., will all the consumption that improves the quality of life be cut off because of a car?
The price of BBA is very high. Even the most entry-level Audi A4L costs 300,000 yuan to buy a car. This may be the lifetime savings of many farmers. Never underestimate consumers who buy BBA. They have already outperformed the market.
Buying a luxury car is actually just the beginning. The daily cost of maintaining a car will continue to squeeze the quality of life, so I say that a monthly salary of 10,000 yuan cannot afford a luxury car.
If you are a consumer who has a mortgage and cannot cut off your daily expenses, it is definitely impossible to buy a luxury car and maintain it smoothly. The threshold monthly salary to support a BBA is actually 20,000.
With a monthly salary of only 20,000 yuan, it is not against the rules to own a luxury car, and he will not deliberately squeeze the quality of life to buy a car. But in fact, many people deliberately squeeze the quality of life in order to buy a car. This is somewhat putting the cart before the horse.
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