The following are matters needing attention in handling an interest-free loan to buy a car: 1. Compulsory auto insurance: Many seemingly favorable car loan advertisements claim that the down payment is 30%, and the remaining loan can be paid off in a few months, and they can promise never to charge interest. But when you pick up the car, the other party will ask for auto insurance here first, so it may be much more expensive than the loan interest. 2. Hidden handling fee: In the interest-free loan car purchase business, there will be a "handling fee" in the contract, but many people fail to find out in time that when they know that this fee is incurred, they will be charged a handling fee of 4% per year, or even higher. It is useless to cancel the subscription at this time, so you must carefully understand the contract before buying a car. 3. Interest and car price concessions can only be selected: while some 4S stores provide "interest-free" loans, they will stipulate that the same model can only participate in one preferential policy. If there is a promotion, many models have a discount of 65,438+0,000 to 30,000. After car buyers enjoy "interest-free", there is little or no discount. Such a fine calculation enjoys "interest-free" and increases the cost of car purchase. 4. Tough tying of high-priced car accessories: you can enjoy interest-free loans, but many 4S shop car purchase contracts must also accept the requirement of "buying car accessories at the original price". And a set of car decoration with a preferential price of more than 5,000 yuan, according to the original price of15,000 yuan, is likely to be more expensive than "interest", so this is also one of the routines that have to be prevented.