Can I apply for a car loan in a 4S shop? Yes, but there are some precautions. First, make clear the difficulty. Since loans are needed, there must be financial institutions stationed in 4S stores to do this business. At present, there are generally three ways of cooperation in loan business: (1)4S shop-auto financing company; (2)4S shop-bank (credit card); (3)4S stores-private guarantee companies-banks. \ \ By comprehensive comparison, the bank's auto loan interest rate is the lowest, and the auto financing company is slightly higher. Judging from the difficulty of application, bank car loan is the most troublesome, auto financing company has the lowest threshold, and credit card installment is in between. \ \ followed by expenses other than loans. Take applying for a loan through a guarantee company as an example. The income of the bank is interest, and the financial service fee has become the profit source of the private guarantee company. The guarantee company signed a cooperation agreement with 4S stores to provide guarantee for customers' loans and went to the bank to complete a series of loan procedures. \ \ For example, a car with a price of 65,438+10,000 yuan generally charges about 3,000 yuan for financial services. If the loan is made, the down payment is 30,000 yuan, and the loan is 70,000 yuan, which will be paid off in three years. According to the bank's interest rate of 6.4%, the interest to be paid is 4480 yuan. Therefore, even if dealers need to bear the interest of more than 1000 yuan to promote sales, the existence of financial service fees can basically ensure that 4S stores will not lose money or even make profits. \ \ Finally, "interest-free" in 4s stores does not mean "free". For example, bank credit card installment payment, although there is no interest on monthly payment, requires consumers to pay a handling fee when handling installment payment business. If consumers participate in the "interest-free" activities, most of the models they buy can only be paid according to the manufacturer's guidance price, and they can no longer enjoy the preferential price of new cars. Even the interest-free quota of some models may not be as good as the preferential price of cars.
4s Store 1.49 Is the internal financial loan true?
It's true.
When buying a car, the buyer can choose 4s shop 1.49 internal financial loan, which is more reliable, but the interest will be relatively higher. Under normal circumstances, the 4s shop of the car you bought will cooperate with other lending institutions to launch related loan products, which requires you to make loans. But these cooperative lending institutions are very formal and reliable.
Financial loans refer to loans obtained by enterprises, institutions and residents from financial institutions due to the demand for final products.
Is the financial loan of 4s shop reliable?
Reliable. But the interest may be higher.
Loans from financial institutions are loans issued by commercial banks to various financial institutions. It mainly includes loans to correspondent banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and finance companies. Although these financial institutions are lenders themselves, they partly rely on commercial banks in terms of funding sources and need commercial banks to provide financing, mainly short-term financing. Commercial banks generally stipulate a loan amount within which loans can be made. Because their loan demand is regular, they can borrow and pay back at any time. They use the interest income of the loan to pay the loan interest and make a profit from it.
main content
Loans to financial institutions mainly include loans to correspondent banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and other financial companies. Although most financial institutions raise funds and issue loans by selling commercial paper, they still need to borrow short-term funds from other commercial banks. In order to ensure the short-term financing needs and the maturity of the commercial paper issued, these financial institutions often sign loan limit agreements with several large commercial banks, and repay within the loan limit, so that the interest income and expenditure of the loan can offset each other. Because of the guarantee of credit line agreement and short-term demand, this kind of loan is usually unsecured. Interest rates are also relatively low. For large financial institutions, the basic interest rate plus compensation or agreement commitment fee is usually used to determine.
Automobile loan related knowledge:
Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.
Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).