The 4S shop informed that the loan had passed and asked for a down payment to pick up the car. As a result, the car was paid down and the loan could not be put down. How to respond. Who is in charge? The 4S shop informed that the loan had passed and asked for a down payment to pick up the car. As a result, the car was paid down and the loan could not be put down. How to respond. Who is in charge? Of course, this is the responsibility of 4S stores. There are car loan methods and agreements between stores and banks, and the specific related procedures are also handled by 4S and banks, which has nothing to do with car buyers! Let them negotiate slowly. Bon voyage! About 4 s, it's okay. Hello, the responsibility of 4 S, this has nothing to do with you. Hello. It's none of your business. Let 4S communicate with the bank. If it helps, please adopt it. It usually takes about a month. You pick up the car, and the rest is 4S and the bank. The 4S shop informed to pick up the car, but it has actually been picked up. At present, we can only negotiate with 4S stores. The best way is to change a bank or financial company to apply for a car loan again. Just give it back to 4 S. It's all approved It doesn't matter if you can't come down. It is the dealer's responsibility to rush. Our shop is responsible for @20 19.
2.0 What is the down payment for car purchase?
From May 15 to May 16, a case of suspected underworld organization was being heard in Longgang.
After investigation, 2 1 defendant was suspected of "buying a car with zero down payment" and extortion in 23 cases, and some of the victims involved were threatened and illegally detained.
okay
Why are we talking about the underground world?
It also involves extortion and even illegal detention? !
Let's take a look at their routines!
Attract target customers
The people who choose "zero down payment to buy a car" are mainly those who are not enough to buy a car in full.
The gang boss's stunt attracts customers, and the automobile sales and service company actually helps customers to borrow money from the loan company.
Don't think that car behavior
Focus on this
_
Routine loan companies and car dealers are actually a group!
Even a boss has been opened!
Sign the IOUs of the routine.
The suspect usually countersigns an IOU that is higher than the loan amount, but it is 200,000 yuan, or even directly signs a blank contract.
Maybe you have to ask ~
Why should I sign it?
The most common speech skills are
"This is guild regulations. It won't really cost you so much, just come as scheduled. "
hue
It even makes you feel kind.
I think I really miss you.
This is just to circumvent national policies.
The "hidden black hand" under the loan agreement
After signing the loan agreement, I had a nightmare.
The suspect firmly grasped the victim's lack of funds. After signing the loan contract, they often deliberately withhold the final payment of the vehicle and deduct part of the loan as interest on the grounds that the approval amount is limited.
Or through the contract, the victim not only can't get the car, but also pays interest.
use both hard and soft tactics
Next is the key step.
After the high liquidated damages are generated, the car dealers will come first and offer to help the victims find another loan company to settle accounts. In fact, this is just to make the victims heavy, which is what we usually call "routine loan".
On the other hand, what if the victim makes up the balance and refuses to pay interest?
Easy, then difficult. The car sales service company will drag the car away by force with GPS abnormality or other excuses, and ask the deceived person to return the car to the loan company.
Used to detain vehicles.
Or find some "social people" to accompany you to work and go home every day. I'll follow you if I don't steal or rob. What is even more frightening is that they have a perfect chain of evidence, but they are facing many legal problems?
At this point! The victim's. How many people did you ask? This is not a case!
Since last year, Longgang Public Security Bureau has received many warnings that mortgaged vehicles have been detained, and the branch immediately set up a task force to conduct a comprehensive investigation.
On March 22 this year, after two months' operation, the task force closed the net of the criminal gang in Longgang and Futian respectively, successfully destroying two criminal dens and arresting 30 suspects involved.
On April 25th, Longgang police dispatched more than 20 police officers1to collect the nets of this kind of automobile sales and service co., Ltd. and a series of related companies, successfully arrested the criminal suspect * * * 6 1, and smashed seven criminal dens in Longgang, Luohu, Baoan and Longhua respectively.
At present, more than 40 people have been deceived, and the accumulated fraud amount has exceeded 100 million!
According to the Measures for the Administration of Automobile Loans promulgated by the People's Bank of China and the China Banking Regulatory Commission, the highest proportion of traditional power automobile loans is 80%, which means that consumers have to pay at least 20% out of their own pockets as a down payment.
In the face of some "miraculous" dealers "buying cars with zero down payment"
Consumers must be more careful.
Never be greedy and cheap.
It must be remembered
There is no free lunch!
Third, the loan to buy a car is the car company's own financial loan. The audit passed and the down payment was paid. ...
If it is through a regular bank, it depends on your accumulated bank records. If it is through an outside automobile trading company, the relative limit will be lower, but the interest will be higher than that of the bank.