Compared with the traditional installment loan car purchase method, its advantage lies in that when the monthly loan expires, customers can flexibly choose the way to deal with their cars from three options. The first kind of purchase: pay the balance, buy a car, and own the car completely. The second extension: extend the balance, easily pay the balance, and enjoy the stress-free use of the car. The third kind of return: the vehicle is returned to the dealer in a fixed proportion. If the relevant conditions are met, the customer does not need to pay extra.
Specifically, Audi's down payment 10% car price is "easy to buy", which allows consumers to have more abundant cash flow and leaves more possibilities for flexible investment and financial management. Clarify the low monthly payment, minimize the cost of car use for consumers, provide salvage value guarantee service, provide reasonable monthly payment cycle, and let customers enjoy driving life easily. 1-3 years later, change cars or upgrade flexibly.
At present, Audi Tesco has successively landed in some FAW-Volkswagen Audi brand dealers. In the future, upgraded financial leasing products such as "Tesco" of Volkswagen Financial Leasing will gradually cover more cities in China and more Audi ag brands.
German Volkswagen Financial Leasing is a subsidiary of Volkswagen New Power Investment Co., Ltd., a subsidiary of Volkswagen Financial Services Co., Ltd. Volkswagen Financial Services provides a series of innovative financial services for Audi ag brands including Volkswagen, Audi, Jetta, Skoda, Sihao, Porsche, Scania, Bentley, Lamborghini and Mann in China. At present, the main business scope includes new and used car retail credit, dealer financing, operating leasing, financial leasing and so on.
(Photo/Text Netcom Yu Xin)
Related question and answer: Will Audi factory finance install gps? Using Audi's financial plan to buy a car requires the installation of GPS. The main purpose of installing GPS is that financial companies need to know the usage and location of your car at any time. When you can't pay the mortgage, the financial company can lock and seize the car remotely.
Related Q&A: Is it reasonable for Audi 4s stores to charge for financial services? Thank you for your invitation. It's difficult to judge how Audi charges for financial services, because you didn't specify. Why don't we analyze the financial service fee storm of Mercedes-Benz, hoping to help you!
The latest situation of the Mercedes-Benz service charge storm is that the third-party company has charged the service charge, which is based on the advance payment of the third-party company, and the charging standard is 3% of the advance payment.
First of all, I think this is an operation of the bank, which minimizes the impact and losses. 1, the behavior of a third-party company, seems to be able to shed its shell. 2. It seems reasonable that the bank charged a rebate of 2% of the loan amount, but invoiced the third party company in the name of information service fee. 3. In this way, the subject of contradiction will focus on the third party. It seems that although Xi Anlixing's crisis public relations is unfavorable, Lixing Group is still relatively sophisticated.
But there are still a few points (this answer only tells the truth, not talking about the car environment and other things I don't want to do)
1, whether the third-party company has actual capital transactions, because Mercedes-Benz Finance will not have a 3-5-day loan delay under the condition of complete procedures before lending, and now the factory finance basically realizes the same-day loan, so the authenticity of this advance payment is in doubt.
2. The qualification of a third-party company, whether this senior company needs certain qualifications, and whether this third-party company has such qualifications all need to be answered and implemented by the CBRC.
3. The charging standard of the third-party company is based on the charging standard of 3% for Mercedes-Benz owners for five days, with the daily interest rate of 6 ‰ and the annual interest rate of 21%. Is this reasonable? Is it legal? According to the monthly sales volume of Xi 'an Benz Store is 65,438+000 units, the average loan amount is 300,000 units, and the installment penetration rate is 40. The collection scale of 3% is 65,438+0,200 units. 300000? .40? .03 = 4320000, how many invoices have been issued for this fee, and whether the advance funds are consistent with the financial accounts of Mercedes-Benz China and Xi 'an Benz. Is such a large proportion of funds under the supervision of China Banking and Insurance Regulatory Commission?
The core point of this Xi 'an Mercedes-Benz incident is basically clear, and its impact on Mercedes-Benz has already appeared, but its impact on local industry and commerce, taxation and even bank supervision has just begun. How to embody the fairness and justice of law enforcers is a test.
I hope this Mercedes-Benz financial service fee can be used for reference to your situation, and I hope your problem can be solved with this incident!