Just providing financial leasing services to customers. This is not a real car loan.
Xinyou used car once said in an interview that the company itself does not directly provide any financial services. However, in order to meet the financial needs of consumers in the process of car purchase, it will cooperate with Wangxin Bank and Weizhong Bank to provide financial leasing services for customers.
A practitioner in the second-hand car industry said that the financial leasing contract turned consumers from the original car buyers into car renters, and the ownership of the car was not owned by consumers, and could only be obtained after the lease expired for a certain period of time. If there is any breach of contract during this period, the car rental company has the right to dispose of the vehicle.
The mode of renting before buying is becoming more and more normal, but renting a car in the first year is actually only an effective condition for buying vehicle ownership. Only after buying a car for one year will the ownership be transferred from the platform to the customer.
There are great risks in this way. Because the ownership belongs to the platform, if the car buyer fails to pay as agreed, there may be a series of breach of contract problems, the car will be recycled or mortgaged, even bank loans, and even be sued in court.
1. Any automobile sales enterprise that collects fees in any name must strictly abide by the Price Law, the Law on the Protection of Consumers' Rights and Interests and other legal provisions, ensure that the price is clearly marked in advance, consumers can choose independently, and provide real goods or services with consistent quality and price, and must not charge in violation of regulations; Do not make excuses to mislead consumers; Forced or disguised forced tying, false propaganda, induced transactions, etc. are prohibited.
Second, pay attention to keep the evidence when buying a car and read the contract carefully:
1, pay attention to save the recording from buying a car to prevent being confused by the excessive commitment of the sales staff. In particular, the other party's explanation of various funds, in case the loan encounters a "routine", the rights protection lacks relevant evidence.
2. Read the terms of the sales contract carefully to see if there are any attachments to the contract. It is best to keep the written contract after signing the contract.
3. If the other party provides a loan contract with blank information, it is required that the contract specify the down payment amount, loan amount and repayment period. At the same time, it is best to sign a car purchase contract accompanied by someone who knows the contract, and beware of all kinds of "pits" in the contract.
4. Ask about other expenses involved in car purchase and master autonomy.