In the gorgeous city, many people are struggling for their dream life. Although buying a car is not a luxury, it is still stressful compared with the working class. Many financial institutions have made car loans with zero expected annualized interest rate. Then let's discuss how to apply for a car loan with zero expected annualized interest rate in Shenzhen. First of all, let's analyze why car loans with zero expected annualized interest rate always attract the attention of the public. The main reason is that there is no interest pressure and the down payment ratio is small, which is attractive to the working class or other people living in Shenzhen, but the car loan with zero expected annualized interest rate is not as perfect as we thought. Auto financing company said that as long as a certain proportion of down payment is paid, the loan amount does not need to pay interest, and the loan balance will be paid off within the specified time. But you know, it's not interest-free. In the end, the borrower still needs to withdraw an extra fee through the handling fee. For a simple example, if a borrower buys a car with a price of 654.38+0.5 million in a shop in 4S, he will make a down payment of 60,000, and the remaining 90,000 will be used for a car loan with zero expected annualized interest rate, with a handling fee of nearly 3,000 yuan. After the borrower applies for a car loan with zero expected annualized interest rate, the borrower will be restricted in the choice of car models and lose the initiative to choose an auto insurance company. In fact, if you think about it, you can understand that, to a large extent, car loans with zero expected annualized interest rate are unlikely to enjoy other benefits. For applying for a car loan with zero expected annualized interest rate, we need to consider it in combination with our own actual situation and strive to save costs for ourselves to the greatest extent.