On the contrary, real estate loans have tightened. Since June, major automobile manufacturers have been pushing "zero interest rate" loans to buy cars to stimulate market demand and grab off-season orders. "Zero interest rate" car loans can be seen everywhere. The so-called zero interest rate means that consumers only need to pay a certain down payment, and the rest can be paid to the lender in installments without paying any interest. The reporter learned from Dongtai Buick 4S store that the purchase of new LaCrosse and new Regal can enjoy zero interest rate within one year, 3% interest within two years and 6% interest within three years. Dongfeng Citroen's brand-new Elysee also launched a credit car purchase activity of "zero interest rate, zero monthly payment and brand-new Elysee half-price loan". You can buy a car with a down payment of 36,900 yuan, and the rest can be paid in one lump sum after one year. In addition to some economical cars, some high-end luxury cars have also joined the ranks of "zero interest rate". The reporter learned from Opple Benz that if you buy E260, the down payment is164,400 yuan, the loan term is 18 months, the annual interest rate is zero, and the monthly balance is 2 1000 yuan. Is "zero interest rate" really a loan to ordinary people for nothing? Pan Ruhai, who is engaged in auto credit, told reporters that "zero interest rate" does not mean that banks or auto financing companies do not charge interest. According to the regulations, banks or auto financing companies cannot issue "zero interest rate" auto loans to consumers. In fact, this part of the interest is borne by manufacturers and dealers, and then subsidized to banks or auto financing companies. "Zero interest rate" loans are favored. Many consumers have shown great interest in this "zero", and some consumers who have cash flow and need to buy a car have also paid the price for this "zero". "Can I buy a car with a loan without paying interest?" After seeing the zero-interest car purchase activity launched by Changan Ford, Mr. Zhao said, "In this case, if you have to buy a car because of cash flow,' zero interest rate' is too attractive." After visiting the auto market, the reporter found that there are still many consumers like Mr. Li who are ready to buy a car through a "zero interest rate" loan. "My first car was bought through a zero-interest car purchase. At that time, I wanted to buy a car through a bank loan because of the cash flow problem. However, after consultation, I found that the guarantee fee is relatively high, and there are many restrictions such as hukou, so I chose to buy a car at zero interest rate. It is very cost-effective and convenient to think about it now. " Huang Fulin, who is engaged in import and export, told reporters. Many 4S stores said that since the introduction of zero-interest car purchase, the number of consumers calling to inquire has greatly increased. "Customers who buy cars through zero-interest loans can not only own cars as soon as possible, but also improve their quality of life. For those customers who don't want to use a lot of cash, they can also save money and interest for other investment and wealth management." The salesperson of Taizhou Yuanfeng Lexus 4S store said. Is "zero interest rate" worth it? Zero-interest car purchase, half-payment and half-loan car purchase ... In view of the off-season of car sales, car dealers' preferential activities have been repeatedly released. However, these seemingly "appetite" policies for consumers are actually affordable. Recently, the reporter saw in the 4S shop of Luqiao Senjiafu Ford that Changan Ford launched a preferential activity of buying Mondeo at zero interest rate and zero month. Take the fashion version of 2.3L as an example. The car price is nearly 6.5438+0.8 million yuan, and the down payment is 6.5438+0.2 million yuan. If the loan is for one year, there is no need to pay interest, but the consumer has to pay a certain handling fee to the dealer. The staff of the store said that mortgage loans need handling fees, and how much can be discussed. "If it is a' zero interest rate' car purchase, then it is necessary to protect the capital." As for auto insurance, the sales staff indicated that they should cover major types of insurance, such as car damage insurance, theft insurance, commercial three-person insurance, compulsory insurance, deductible and so on. In this way, consumers get preferential treatment from the zero policy, but they have to pay more in other aspects. In addition to additional expenses such as insurance and handling fees, the reporter also learned that while consumers enjoy the "zero interest rate" car purchase, the preferential range of car prices will also be greatly reduced. Take a high-end car as an example. At present, the preferential margin of a 2.0L model is about 30,000 yuan. If consumers apply for a zero-interest loan, the preferential margin is only about 1 10,000 yuan, which is nearly 20,000 yuan more than the full amount. It is understood that the current "zero interest rate" and "zero monthly payment" car purchase services, some of which are free for one month, require a down payment of 50%. Although the car loan does not need to be repaid monthly in the first year, the balance must be paid in one lump sum after one year. If you can't pay the balance by then, you will be liable for breach of contract. Consumers should think more about whether buying a car with a zero-interest loan can really save money and reduce stress. "When buying a car, we should not only pay attention to the interest-free part of the offer, but also consider whether the work and life will be greatly affected after paying the monthly payment, and think twice before you do it." Pan Ruhai said.

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