For example, some two-year interest-free and three-year interest-free are actually not a lie. They are indeed interest-free, but they will also charge some service fees. Car loans can be processed at the vehicle management office. The name of the business is to add a mortgage, and after the loan is released, it is called to release the mortgage. First, add one and release it, which requires handling the business. From these two aspects, you can earn the car owner's money. The interest-free is interest-free, but there are still some calculations. cost.

To add a mortgage, first of all, the 4S store will usually go to the vehicle management office with the car owner to get the new car registered. The first thing is to take back the registration certificate when you added the mortgage. The registration certificate will be kept temporarily until you pay off the loan. Then return it to the car owner. Secondly, when you add a mortgage, you need to have a business license from a financial company or bank, so you need a special client to accompany you. The loan is interest-free and you will be charged for the registration fee. Don't worry. If you give your registration certificate to a financial company or bank, they will keep your registration certificate for you and retain your information. You also need to pay the file management fee.

To release the mortgage, first after you pay off the loan, apply to a financial company or bank to release the mortgage. They will take your registration certificate. If it is a local financial company, you need to make an appointment with the vehicle management office in advance. When the mortgage is released, go with them. This is another expense. They will help you organize the materials for repaying the loan, the settlement certificate, the mortgage contract, including the power of attorney and a copy of the business license with the official seal. These things are all If the car owner cannot provide it himself, it needs to be provided by a financial company or bank, so these fees will appear. If you don't give it to others, they won't give you these things. If you don't repay the loan, your car will no longer deduct money from you, but If the mortgage is not released, the car will never have the right to buy or sell. Therefore, it is necessary to pay off the loan to release the mortgage. To release the mortgage, you need to ask for something from a financial company or bank, which is also necessary. Therefore, the two-year loan is interest-free, before and after. The fees collected are no longer small.

There are also some 4S stores that require you to buy store insurance. This is very valuable. It costs more than 5,000 and is considered cheap. Moreover, everyone knows the rebates of the insurance. They are all returned to the 4S store, and then you are asked to pay a sum. Renewal deposit. If your car is a loaned car, you need to buy insurance in the store. I will let you continue to buy the store insurance in the second year. If you don’t show up for the second year, the renewal deposit will not be returned to you. If you come, the insurance will be too much. Expensive. If you don't come to renew the insurance, your deposit will not be returned. Anyway, after all the calculations, the car owner must be at a greater loss. The interest-free that people say is really interest-free, but there are slightly more conditions attached.

The reason for this is simply that a car with a loan is cheaper, but a fully paid car is more expensive. For example, a car with a full payment of 14W is 2W cheaper with a loan of 12W, and it also gives you a lot of equipment and floor mats. What, but the full-price car looks expensive, and the loan is interest-free, which is more attractive to customers. Interest-free is really interest-free, but it is possible that your service fee is almost the same as interest, which requires the car owner Read more, study hard and don’t be fooled.