Do I have to install GPS positioning equipment to buy a car with a loan?
Yesterday, the reporter came to Chongqing South Road and visited many car dealers here. Most car dealers said that they must buy GPS positioning equipment when they borrow money to buy a car.
When the reporter came to a car dealership, Mr. Zhang, a staff member, heard that he wanted to borrow money to buy a car. He told reporters in detail that a general loan to buy a car requires not only the guarantee fee and handling fee, but also the ID card, real estate license and payroll, and a 30% down payment in advance. In addition, Mr. Zhang said that journalists need to buy GPS equipment worth nearly 3,000 yuan, and car dealers can also give three years of burglary rescue.
"This equipment is not what we asked to install, mainly because of the requirements of the bank." Mr. Zhang said that after installing GPS equipment, banks can monitor vehicles for 24 hours. If the car purchased by the consumer with a loan is stolen, the GPS device can send a theft alarm to the consumer in time, and the consumer can also determine the location of the stolen car in time according to the GPS. Through remote operation, the car can be cut off from oil and electricity and cannot be started normally. Later, the reporter consulted a number of car dealers, and the staff all said that if consumers can pay in one lump sum, they don't need GPS, but as long as they apply for a loan to buy a car, they must buy GPS. The price ranges from 1600 yuan to 5,000 yuan, and they can also give it away for three years.
The car dealership denied that GPS would be broken.
During the visit, the reporter met Mr. Song, a citizen who came to borrow money to buy a car. He doesn't understand the rule that a car must be loaned. "I think this is the overlord clause! I asked them if it was a bank rule or a car dealership rule. I didn't expect the salesperson not only didn't answer me, but also said that I asked so many questions! " Mr. Song said that this made him very angry.
According to the reporter's understanding, the GPS equipment sold by car dealers to consumers who borrow money to buy cars has a relatively simple function, and can only provide location alarm service without navigation function, which makes many consumers dissatisfied with the GPS sold by car dealers.
"You can set the positioning function of GPS. For example, at night 10 to 6: 00 the next morning, it is necessary to cut off the oil and electricity, which can be set in the background through the computer. " Ms. Xu, a staff member, said that the setting of GPS anti-theft function is similar, so it is enough to set the relevant option to "cut off oil and power". "In this way, once your car is stolen, the GPS device on the car will send an alarm signal to your mobile phone in time, and then you can call the police according to the prompts on the mobile phone to find the location of the car." Ms. Xu said. Regarding the reporter's statement that the vehicle automatically cuts off oil and electricity due to GPS failure during driving, Ms. Xu said, "This situation will basically not happen, so don't worry at all. GPS is definitely reliable."
If you don't buy it, you have to raise the loan threshold.
However, very few car dealers said that even if consumers borrow money to buy a car, they will not be forced to sell GPS equipment to consumers. Whether to install GPS equipment is entirely voluntary for consumers, but the terms of the loan will be improved. "Customers who borrow money to buy a car here not only need to provide ID cards, real estate licenses, payrolls and other documents, but also have a higher down payment than other car dealers, so generally speaking, the threshold for borrowing a car may be higher than other car dealers." Mr. Lu, a staff member of the car dealership, said that some car dealers who are forced to tie in GPS equipment may have been robbed for three years because of tying in GPS, and the threshold for loan car purchase may be lower accordingly. "This is also a marketing tool. You can buy equipment for thousands of dollars, and you can save it for three years. Some consumers may feel that they have got a' discount' from it, making up for the psychological gap caused by their loan to buy a car and pay interest. " Mr. Lu said.
Binding GPS is for extra profit.
According to industry insiders, the purchase of GPS equipment when buying a car with a loan has basically become a "hidden rule" in the automobile sales industry. "At present, there are no relevant laws and regulations that require consumers to purchase GPS equipment when they borrow money to buy a car. The requirements of the bank or guarantee institution mentioned by the garage staff are actually just a cover. " According to insiders, the reason why car dealers force consumers to buy GPS equipment is actually to maximize the profits of car dealers. In the process of buying a car with a loan, car dealers may need to "run errands". If car dealers directly ask consumers to charge this part of the fee, consumers may find it difficult to accept it, so they will make compensation by bundling GPS equipment.
In addition, when buying GPS equipment, the three-year "burglary rescue" given by the car dealership is probably not a real burglary rescue. "The tying GPS equipment is probably the product liability insurance purchased by some units from insurance companies, and then the car dealer may induce consumers to sign a product liability insurance agreement in the name of theft and rescue, and this product liability insurance agreement will only play the role of theft and rescue." According to industry insiders, once the car purchased by consumers with loans is stolen or lost, it is very difficult for consumers to prove that the loss of the car is caused by the quality problems of related anti-theft products. In the end, consumers will go to the insurance company to claim compensation, which is likely to be rejected.
The bank said that customers were not forced to install GPS.
Is it really necessary for banks to ask car dealers for loans to buy cars to buy GPS equipment? Yesterday, the reporter interviewed the customer service staff of some banks in the island city. Ms. Liu, a bank employee, said: "As long as consumers can provide real estate licenses, ID cards and other materials, we can provide loans to consumers without requiring consumers to buy GPS equipment." Staff of other banks also said that consumers would not be forced to buy GPS equipment.
Lawyers say compulsory tying is illegal.
In this regard, Lawyer Wang of Dacheng Law Firm said that it is illegal for car dealers to force citizens to buy GPS equipment, which infringes on consumers' right to choose, and the relevant provisions of the Consumer Protection Law of People's Republic of China (PRC) stipulate: "Consumers have the right to obtain fair trading conditions such as quality assurance, reasonable price and correct measurement when purchasing goods or receiving services, and have the right to refuse the compulsory trading behavior of operators." The Regulations on the Protection of Consumers' Rights and Interests in Shandong Province also has relevant provisions: "Operators shall not tie in goods against consumers' wishes, and shall not add service items or attach other conditions without authorization. Where optional goods or services are provided, the consent of consumers shall be obtained in advance. "At the same time, he reminded the public that when buying a car with a loan, you must carefully read every detail of the car purchase contract, pay attention to retaining relevant evidence, ask clearly on the spot when you encounter ambiguities, and pay attention to retaining relevant evidence. Once your legitimate rights and interests are damaged, you can complain to the relevant departments to solve it.