Why do you go to a 4S shop to buy a car? Sales always ask you to do staging?

Recently, the hottest thing in Tik Tok is a young lady sitting on the hood of a Mercedes-Benz in Xi 'an, Shaanxi Province to defend her rights. The video shows a woman sitting on the roof of a Mercedes-Benz in a 4S shop arguing with the surrounding staff. "I am a educated person, and I graduated from graduate school. This incident has greatly humiliated my decades of education." "The car I bought for 66, yuan didn't run for a kilometer, which made me renew my motivation and was forced to accept this three guarantees." My little sister is very organized and seems to be a well-educated person. You can't think that I am easy to bully just because I am easy to talk, which is to stimulate the empathy of onlookers. Originally, I didn't want to talk about this hot spot, but because there are many people buying cars around me, there are not a few people who are inexplicably routine, so I will briefly talk about why I went to the 4S shop to buy a car today. The salesperson always asks you to do the installment.

First, 4S stores are surging

As a person who has worked in the credit market for more than five years, in my work experience, I was transferred to the new car installment business of banks for a period of time, that is, I was dealing with 4S stores of major brands, so I know something about this business. The biggest finance in 4S stores is its own manufacturer finance, followed by bank finance, and finally financial institutions. General manufacturer finance is the financial leader in the store, because its policy is very good. Of course, it is mainly aimed at 4S stores. The loan interest for new cars in the store is very low, and customers do manufacturer finance, and the rebate of manufacturer finance to the store is also high. The so-called manufacturer finance, as we have seen, is Mercedes-Benz finance, BMW finance, mass finance, general finance and so on, all of which are powerful financial companies.

some vehicle brands don't have manufacturer's finance, and such a 4S shop is to do the bank's new car installment business. In a small place like ours, the main competitors are CCB, Ping An, Xingye, etc., and there are fewer other banks, mainly depending on which bank gives a high rebate and the loan procedures are simple and fast. Only when there is strategic cooperation between the bank headquarters and the brand group can they enjoy the same discount or interest-free products as the manufacturer's finance. In this case, the rebate to the 4S shop is also relatively high, and the bank headquarters directly rebates the brand group. In addition, if there is no strategic cooperation, the bank account manager will go to private docking through his own relationship, and the rebate will be less. Therefore, we often see that candidates are required to have all kinds of resources in recruitment information, and they have to have resources in whatever line they do. On the other hand, it is easier to do whatever line you have resources. Finally, this is a financial institution, which is generally a customer's situation. It can't do manufacturer finance, and banks can't do it by stages. There is no way to choose finance. Why can't we do that? Because the interest of financial institutions is relatively high, and some customers are unwilling to choose.

Although the size of the 4S store is so large, there is fierce competition among various stores. In addition to the manufacturer's finance, the account managers of various financial institutions should strive to get on well with the financial managers and sales staff in the store, because it is these people who give orders. In some stores, financial managers have great power and strict control, so they mainly have good relations with financial managers. Some store financial managers don't care much, so get on well with the following salespeople. To put it mildly, it is to build a good relationship. In fact, it is to take the initiative to invite people in the store to dinner, give rebates and give gifts. The salesperson you see in the 4S store may not feel much. Serving you is just like serving an uncle. In fact, he may be an uncle in front of others. You were an uncle before you bought a car. It's hard to say if you bought a car, right?

second, 4S stores reap the benefits of fishermen

well, let's talk about the high rebate rate given by the financial office in installments first, and then talk about the situation in 4S stores.

There are requirements for salespeople in the store. The competition among brands is so fierce, and customers are also very smart. They know how to compare prices with each other before telling the salespeople. In this case, in order to make this order, the salesperson will definitely push the price to the lowest. In this case, the car is sold in full, but the salesperson actually earns very little. The general practice is that the salesperson quotes the customer, one is the full car price, and the other is the installment price. Of course, the latter price is lower than the former. There will be assessment indicators for the sales staff in the store, and new cars must be staged. If they fail, money will be deducted. Salespeople will take the initiative to guide customers to handle staging, and some unprofessional salespeople will force or beg customers to handle staging. There is no way, personal professional skills are not enough, and they can only rely on their faces to make up. Like that kind of high-end brand vehicles, there are hundreds of thousands of vehicles. It seems really impossible for you not to stage them. After all, it takes a price to force them. If the customer agrees to handle the installment business, it is basically equivalent to entering the set. There are really many routines, and it is hard to prevent them. After the sales staff understand the customer's situation, they are basically familiar with it. When they feel that they can control the customer, they will tell the customer that there is a service charge for the installment. They will say that this is a financial service fee, some will say that this fee is charged by the bank, and some will say that this fee is charged by finance. Don't worry, no one will say that this service fee is charged by a 4S shop. Ironically, the money was collected in the store and finally flowed to the store. There are clear rules for banks to handle installment business, and account managers are not allowed to charge customers fees. If it's a financial company, think about it. It's hard for them to ask the store for a list, let alone collect the money from the store. Do you think charging a financial service fee is over? Actually, the first step is the financial service fee, which you have to pay, and the store can get the rebate from the bank or finance. The second step is the insurance fee. You must buy the car in installments with full insurance. There is no discount. The money returned by the insurance company has nothing to do with you. You have to pay the renewal deposit, and if you don't buy the insurance in the store next year, you won't get the money back. The third step is to install a GPS for the vehicle, which is required by some finance and not required by some finance. However, 4S stores don't care about this. As long as they handle the staging, they have to install GPS, and the price of GPS is also different. So, do you think that the 4S shop earned money for your car? You are naive.

well, I have written so much, and I hope it will help you a little. I will be very happy. Personal ability is limited. If you have different opinions, you are welcome to communicate. It's also interesting to talk to you about the staging of used cars when you have time.