买车和存款关系不大,主要看收入。当然我觉得观念在变化,2017 年前,我在外企上班,30 岁左右同事或者朋友买车,基本都是按照一年或者一年半的收入买车的,15 万年收入就买个 20 万的车,10 万年收入就买个 15 万的车,还是多少上班讲究个面子。但是随着房价继续走一波,新势力造车,大家的心态开始爆炸了,不管是资产数目上涨了,大家对于工资也很自信,然后疫情三年来到现在。我们走过一段时间,或多或少已经经历过较高的杠杆,也适应了家庭的消费主义。所以大家买车,15 万的敢上 30 万的车,反正汽车金融首付低,也有各种政策,还有补贴。客观来说,现在分化开始了,如果你不怕失业,这种心态还会持续;但是在高危行业或者家庭杠杆率已经很高的,会开始往下买,这也是近期大家买车开始扣扣搜搜的核心原因。
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