Interest-free for two years and charged for the third year. I have never heard of this kind of loan.
2. Where is the three-year interest-free pit for car loans?
The three-year interest-free pit for car loan is as follows:
1. First of all, buying a car by stages is "tricky" behind the three-year zero interest rate. Nowadays, many 4S stores are holding activities such as "three-year zero interest rate", "two-year interest-free" and "zero down payment", which are transparent. 4S stores face the competition from third-party car dealers and various brands in the same industry, so they keep the car price at a very low level, but only by buying cars in stages can they survive and make profits. The advantage of buying a car by loan is that bare cars will be more expensive than loan cars, and all this is because loan cars have various surcharges. In many places, the loan car will directly charge 2%-6% of the loan amount, and its financial service fee may actually be 1 10,000.
② License fee. Many 4S stores directly charge 500-2,000 pounds for new car registration (200 pounds is almost the same).
(3)GPS equipment and installation fees, many of which are around 000 in the first two years, and some are not charged in the second two years. (This fee can be cut off)
(4) In the first year, the insurance of the loan car was basically bought by 4S stores, and I bought more all-insurance than myself. (If it is really expensive, surrender the car and buy it. )
(5) Bundled sales, some 4S stores may ask for decoration when they see that the whole car has little profit)
(6) Other expenses, such as delivery fee, PDI inspection fee and mortgage cancellation fee. (strongly disagree).
Secondly, the "quality" of the new car is very difficult.
(1) If the recalled vehicle is sold, it may encounter a faulty vehicle, and the 4S shop did not cooperate with the manufacturer to call in time.
(2) Generally speaking, cars are in stock within one month and more than six months, and imported cars are best within six months. If it exceeds 12 months, it is a serious inventory vehicle; Due to the long stay time, the surface, tires, spare parts, etc. Inventory trucks are somewhat affected. When checking the car, you can check the production time by the frame number or by the production nameplate on the side of the driver's door.
(3) Conceal the defects discovered by PDI. According to the situation, it is necessary to ask the 4S shop to provide PDI inspection sheet when inspecting the car.
Third, the new car as a whole and the insurance industry are more expensive. Take the 654.38+million new car as an example, the purchase tax is around 9000, and the insurance cost is slightly expensive in previous years.
4. Fourth, the new car insurance rate is relatively low. It's just that the insurance premium rate is really too fast. The new car landed nearly 400 thousand, and it was only about 25 a year later. Of course, the premium rate depends on the specific situation. For your daily car, you don't consider changing cars frequently, you can ignore the problem of price reduction.
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Advantages of new cars
1. It is very important to ensure the quality after buying a car. For a new car, there is basically no need to worry about this problem. New car manufacturers provide three years or 654.38+ten thousand kilometers of after-sales "three guarantees", so there is no need to worry at all. As for things like "Xi Mercedes-Benz Girl" and "Tesla Brake Failure" mentioned on the Internet, after all, they are very rare and there is no need to worry.
The new car feels good psychologically. Needless to say, it is very comfortable in interior, car condition and appearance. Before making a car loan, all expenses must be clearly stated. Before paying the deposit, all possible expenses must be listed and each item must be clearly stated. Otherwise, it may be "pitted". When you pay the deposit and the loan is approved, many things are difficult to talk about. Every time after completing the one-step process, the negotiable price will be less and less. If you can pay the full amount, it must be the full amount. Even if there is interest-free, don't mortgage. All in place at once, which can save some trouble.
3. What does it mean that the car is interest-free for three years?
Although there is no interest for three years, 4S stores still have to charge a corresponding handling fee, which is basically around 5,000 yuan, which is quite a lot. And even if there is no interest, 4s stores will try their best to make money back elsewhere.
The three-year interest-free policy can be said to be the same for many models, but for the two-year interest-free policy, the down payment requirement is 50%, which means that if you look at a car worth 6.5438 million, you need to pay 50,000 down payment, and the remaining 50,000 needs to be paid within two years. In fact, the remaining 50 thousand yuan loan does not mean that the bank does not charge interest, but the interest is borne by the manufacturer and 4S shop.
Wool comes from sheep, and there is no such thing as a free lunch. For a profit-making organization like 4s shop, these two sentences can't be wrong at any time, unless it breaks the south wall and crosses the Yellow River, and it is not allowed to make money for charity, which is once in a century.
Fourth, what is the routine of buying a car for three years without interest? Where is the three-year interest-free pit for car loans?
Buying a car for three years without interest is usually not a routine. At present, many models of many automobile brands offer a three-year interest-free policy. This interest-free policy aims at promoting consumption and expanding domestic demand. In addition, the three-year interest-free financial loan scheme is directly provided by banks and automobile manufacturers. Interest-free car purchase policy has gradually become an effective means to promote vehicle sales.
There is generally no pit in car loan for three years without interest, but everything is not absolute. Under the condition of three-year interest-free policy, some dealers added a lot of bundled content without the approval of manufacturers or banks. For example, this car supports a three-year interest-free loan scheme, but it needs to pay a loan service fee of 5,000 yuan, and it needs to buy insurance and maintenance in the store in the next three years.
According to insiders, financial solutions are usually out of touch with other businesses of dealers, and there are no unreasonable preconditions. In addition, it is suggested that interest-free financial solutions can not only be obtained from dealers, but also consumers who use credit cards on weekdays can get interest-free loans from financial institutions they are familiar with, which not only reduces the probability of being cheated by dealers, but also simplifies the procedures.
Generally, applying for an interest-free loan at a dealer requires the following information: 1, and the ID card is within the validity period; 2. The driver's license is within the validity period; 3. Bank flow in the last six months, with transfer records in the last three days; 4. The bank savings card required by the lending institution is used for repayment.