Some customers will encounter interest-free loan concessions when buying a car, and 4S stores will tell customers how cost-effective it is. But is there really a free lunch? Therefore, at this time, consumers need to ask about the specific content of interest-free. Generally speaking, there are two kinds of interest-free One is the activities or policies that the factory is engaged in. In order to promote sales, it actively subsidizes all interest. Most of these interest-free vehicles have designated models, not all vehicles have them. Another kind of interest-free is actually a gimmick made by 4S stores themselves. Perhaps the factory itself does have some discounts, and customers need to bear little interest. In order to sound better, the 4S shop said it was interest-free, and then added the interest that should have been paid to the car price or service fee.

Now, people couldn't afford a car in the past, but now every household has at least one car on average. The increase in wages leads to an increase in car purchases, coupled with a significant increase in vehicle supply and a relative decrease in car prices, which also increases people's demand for cars. More and more young people are gradually pursuing the convenience brought by cars. However, the lack of monthly salary has brought trouble for them to buy a car in full. As a result, buying a car in full now has increased the pressure of life, so car dealers have also introduced interest-free loans to ease people's pressure.

However, when buying a car by stages, you need to pay attention to the following situations. When automobile manufacturers launch car loans, most of them attach certain conditions. After all, manufacturers take profit as the purpose and will be bound by some conditions. They should cooperate with commercial banks to maximize their own interests.

For example, car insurance, 4S stores will require customers to go directly to the store to buy all risks and commercial insurance. According to different models, different car prices and different commercial insurance. 4S stores provide customers with interest-free services, which is convenient for customers on the surface, but in fact they will earn excess profits through various means and increase car sales.

If it is interest-free for two years, no additional conditions, no handling fees and other expenses, it is very cost-effective for our consumers to buy a car. Because with the development of wage rigidity and the rise of inflation rate, the actual purchasing power declines, which is equivalent to the fact that the future money is not as big as the present money. It is very cost-effective to spend today's money to realize tomorrow's dream.

In recent years, with the increase of vehicles and the emission of automobile exhaust, the air index has dropped seriously. The government issued relevant policies to further improve the automobile industry, adjust the industrial structure, vigorously promote the development of new energy automobile industry, and support and subsidize its related industries. Most enterprises see that the new energy industry is profitable, which promotes the influx of a large number of new energy enterprises, and the sales of automobiles have always been very competitive. Therefore, the 4S shop has introduced a two-year interest-free policy for car purchase, which has greatly improved the car.

The most important reason is that many 4S stores force consumers to borrow money to buy cars. They won't do it publicly, but they always lure you to get a loan. In order to promote consumers to buy cars with loans, many 4S stores offer discount rates for full car purchases, which is different from loan car purchases. For example, a friend of mine bought a Volkswagen LaVida some time ago. He originally wanted to buy a car in full, but the discount for buying a car in full was only 18000 yuan. Navigation and inverted images are not provided. Loan to buy a car 23 thousand, but also to send navigation, reversing images and other decorations. Loans to buy a car are obviously more favorable, and gifts are more attractive, which induces consumers to choose loans.

There are also some 4S stores that are even more ruthless. They not only make the preferential margin of loan car purchase different from that of complete car purchase, but also directly control the price of loan car purchase and complete car purchase. The total price of this loan to buy a car is almost equal to the full amount of the car. In this case, consumers are forced to borrow money to buy a car. For example, for a Kia K3, the full car purchase discount is 2 1000, and the loan car purchase discount is 23,000. The full car purchase service fee is 2000 yuan, and the loan car purchase service fee is 3000 yuan. 70,000 yuan loan, with a term of two years, interest-free.

To put it simply, whether two-year interest-free car purchase is a routine must have certain preconditions. The former should be truly interest-free, and the sum of repayment amounts should be equal to the sum of all amounts. This is the real interest-free. Under this condition, it is very suitable for analysis. Even if the total amount can be analyzed, sufficient cash flow should be prepared to invest in Qian Shengqian. If it is to be staged, certain factors should also be considered. For example, the inflation rate is rising faster than the interest rate now, and money in the bank is equivalent to losing money. At this time, it is recommended to spend the money.