Enjoy the convenience brought by private cars. As far as dealers are concerned, new cars have emerged in an endless stream this year. Due to oil prices, earthquakes and other factors, automobile sales in Sichuan have declined. In order to promote new cars and encourage consumers to buy cars, car dealers can rack their brains, and "mortgage" is a unique breakthrough. As a result, since June 5438+ 10 this year, various new mortgage methods have appeared in Chengdu auto market. The words "zero down payment" and "zero interest rate" have aroused consumers' appetite and revealed a message to consumers: buying a car is actually very simple!
Direct customer loan: a loan method that provides unsecured loans to high-quality customers of banks. It is characterized by no guarantee, extremely low cost and special requirements for customer credit.
VIP credit loan: High-quality bank customers can apply for a credit loan with a maximum amount of 300,000 for consumption. The characteristics are: no guarantee is needed, the cost is extremely low, the loan can be used for investment such as car purchase and house purchase, and there are special requirements for customer credit.
Secured loan: a conventional loan provided by Zhonghexin Guarantee Company, which is characterized by low rate and cost, and has the same credit requirements for customers as ordinary mortgage car purchase.
50:50 loan: the customer pays 50% of the car money down, and the remaining 50% of the car money is paid to the guarantee company in one year, and the customer does not have to bear interest. The characteristics are: reducing the support burden and monthly payment burden in the early stage of car purchase, and the saved funds can be used for other investments.
Interest-free down payment: the guarantee company pays1-20,000 down payment for interest-free customers, which is characterized by greatly reducing the down payment burden of customer service. The minimum down payment for buying QQ is only 800 yuan, and the minimum down payment for buying Tiida is only 4,000 yuan.
Fixed loan: provide 22,000-year fixed loan for vehicles under 50,000 such as Chery QQ. Features: Solve the problem that vehicles under 50,000 cannot apply for mortgage.
From the information provided by merchants, it is not difficult to find that these loan methods have their own advantages, and consumers can choose the loan method that suits them according to their actual situation. Among them, the first few ways require higher credits, such as government cadres, teachers and other occupations, which are easier to pass and relatively lower in cost; For ordinary people, the latter loan method is easier to do, but the cost will be slightly more expensive; 50: 50 loan is not only a good way of car mortgage, but also a good financial choice for consumers with economic mind and good investment and financial management ability. Interest-free advance payment is undoubtedly the most attractive, and it is quite cost-effective for consumers who are not well-off and eager to buy a car; The fixed loan is the first time that the bank has provided mortgage service for vehicles below 60,000 yuan since the tight monetary policy, which has reduced the threshold of mortgage to a minimum. Take QQ with 30,800 yuan as an example. The down payment for applying for a loan of 20,000 yuan should be 6,543,800 yuan, but the guarantee company can make an interest-free down payment of 6,543,800 yuan, which means that the final down payment is only 800 yuan. It is a great temptation to drive a scooter away just to buy a mobile phone or even an MP3 player.