A, Toyota, Honda, Buick, Hyundai and many other cars can get interest-free loans. The partners of each bank are different, so the relative brands and models are different. It depends on which banks the local distributors cooperate with.

Secondly, according to the auto financing company's statement about interest-free loans for car purchase, it actually refers to a car purchase scheme launched by the auto financing company. Consumers can only enjoy interest-free/zero-interest auto loans if they pay enough down payment and pay off the loans within a certain period of time.

Third, a certain period of time, the general auto financing company refers to one year (there are also more than one year, the products of different companies are different), that is to say, if you choose to buy a car with an interest-free loan, then the loan applicant must pay in installments within 12 months.

If the consumer can't repay the car loan within one year, the excess will still be accounted for. In this 12 month, the interest on the car loan was paid by the car manufacturer or car dealer. It can be seen that this kind of interest-free loan to buy a car is also a gimmick to attract consumers.

Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "

At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.

Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions. "Zero interest rate" is a loan contract reached between banks and individuals or organizations through mutual trust.

Are there any restrictions on buying a car with an interest-free loan?

The restrictions on buying a car with interest-free loans are: banks designate cooperative businesses. That is to say, you can only buy a car in a car company that cooperates with the bank.

Buying a car with an interest-free loan:

One is people with stable jobs and high incomes who want to buy a car but can't get the full amount. These people are mainly young buyers under the age of 30. Because of their short working hours and limited savings, interest-free loans are very popular among these people.

The other category is some consumers who are good at financial management.

Extended data:

Automobile loan conditions:

There is no discount on car price, long operation process and relatively long time to pick up the car. More importantly, some so-called zero interest rates also require handling fees, which generally require car owners to pay 3% to 9% of the loan amount.

Precautions for car loan:

The so-called zero interest rate means that consumers only need to pay a certain down payment when buying a car, and the rest can be paid to the lender in installments without paying any interest.

Chen Hongsheng, the public relations minister of Dongfeng Citroen, said that car loans with zero interest rate and zero down payment are equivalent to disguised car promotion. Different from the situation abroad, the domestic' zero interest rate' cannot be regarded as a real interest-free loan. Whether users can get actual price concessions still needs to be measured by users themselves. "

Take the "zero interest rate" car loan method selected by users, the car loan should be carried out on the basis of the full price of the original factory guide price of the vehicle. For example, if you buy a car with an official guide price of about 6,543,800 yuan, the market quotation may be as low as 85,000 yuan, but the user must apply for a "zero interest rate" loan car purchase business at a price of 6,543,800 yuan.

There are two conditions for applying for an interest-free loan to buy a car:

1, vehicle type restriction. Usually, interest-free car loan is a preferential scheme proposed by dealers for specific models, which is not applicable to all models.

2. The monthly repayment amount is large. Some models require consumers to pay less than 5,000 yuan per month, and the pressure is relatively large.

Since the interest-free loan is used to buy a car, the car belongs to the bank before the loan is paid off. Therefore, in order to reduce risks, banks generally require car owners to buy some auto insurance as a condition for loans in car loan contracts.

The premium of these insurances may not fully meet the requirements of car owners, and may even be too high. Therefore, you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this fee.