Car dealers offer cars with zero down payment and zero interest rate. This is not a free lunch, but a way to promote sales. In fact, this move by car dealers is not much different from its price reduction. Car dealers offer zero down payment, but divide the down payment into several months. It seems that you are not required to pay in one lump sum, but in fact you are not underpaid. It's just that the object of collecting money is the bank, not the car dealer, and there are some interests. This is especially true of zero interest rate. Buying a car in a car dealership, 1 or 3 years seems to pay less monthly interest, but there is a price to pay. Generally, to apply for a car loan with zero down payment, the loan applicant needs to mortgage the property, which means that the applicant must have the property title certificate in his own name. If you can't mortgage the property, you need to pay a down payment of 30%, and then pay in installments over three years.

Buying a car with zero down payment and zero interest is mainly aimed at slow-moving models or stock cars, and it is impossible for hot-selling models to enjoy such a policy. Zero interest is actually the offset of the car price. When adopting the zero interest rate policy, consumers can't enjoy the price concessions of this model, and fine products such as steering wheel cover, seat cushion, reversing radar and sunshade film can't be obtained for free. In addition, car damage insurance, theft insurance, commercial insurance, compulsory insurance, deductible insurance and other types of insurance purchased by consumers when they borrow money to buy a car are not allowed to be purchased by themselves and need to be purchased by car dealers. In fact, consumers benefit from zero interest rate, but other benefits supplement the interest loss of businesses.

Second, how much can a car with a full landing of 70,000 be mortgaged?

For a car with a total payment of about 70,000, the bare car price is about 60,000, because the mortgage loan is calculated according to the bare car price of the car. So the total bare car price of this car is only 60 thousand. According to the normal mortgage process and proportion calculation, the loan can only reach 80% of the bare car price at most, which is 48 thousand, so the car can be mortgaged at most about 48 thousand.

Third, how to mortgage the car?

Vehicle mortgage loan process: step 1: the borrower applies for a loan; The second step: review; Step 3: After the appraisal of vehicle value is approved, the lending institution will appraise the vehicle mortgaged by the borrower and reserve a loan amount by appraising the vehicle value. Step 4: Sign the contract and issue the loan. After the vehicle evaluation is completed, the lending institution will sign a loan contract with the borrower, and then issue the loan. The borrower only needs to mortgage the vehicle driver's license to the lending institution.

Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. The purpose of a loan secured by a car is mainly to be quick. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 50-80%. )

1, stop or not?

Some customers have cars in their names, but they want to be unsecured because they need cars for business. However, in order to control risks, lending institutions can only handle local full-size vehicles and install GPS to facilitate positioning at any time.

2. Is the loan long-term or short-term?

For long-term customers, automobile mortgage is not suitable for long-term customers because of its short service life.

3. Try to repay in advance when you have extra funds.

Because of the characteristics of cars, the interest rate is relatively high. If you don't want to spend money and save financial costs, you can repay in advance after you have extra funds.

4. Find a suitable loan scheme.

It is precisely because of the high loss and depreciation of cars that only some loan schemes and car service companies do it. However, we must avoid paying upfront fees.

Article 22 of the Regulations on Motor Vehicle Registration clearly stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply to the vehicle management office at the place of registration for mortgage registration. Fill in the Application Form for Motor Vehicle Mortgage/Mortgage Cancellation with the motor vehicle registration certificate and the identity certificate of the mortgagee and mortgagor, and affix the official seal of the unit to the relevant window for handling.

4. What is the mortgage interest rate after buying a house in full?

Hello, real estate mortgage loan refers to a RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet various needs such as house purchase, parking space, large-scale durable consumer goods, automobiles and house decoration. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%.

Now the bank quota is very tight, and it is difficult to unify a time. Respondent: Zhao Jing reply date: 2011/05/19.