An epidemic has made many people realize the importance of buying a car, but not everyone has the ability to buy a car in full. For those families with tight funds, if they can spend less in the early stage of buying a car, A little money, and then "paying it off" while using the car in the future, which is what we often call a mortgage loan, can alleviate a lot of financial burdens. This method is originally good, but some businesses have invented some extreme car purchasing methods, such as "purchasing a car for 0 yuan" or "renting to purchase", etc. Are these car purchasing methods reliable? Let’s take a look.

Lease-to-purchase, as the name suggests, is to purchase a car through leasing. In actual operation, the customer first needs to pay a very low fee or even 0 down payment, and then he can pick up the car from the leasing company, and then pay monthly After paying the car rental fee, after the lease time expires and the customer pays the remaining balance, the leasing company will transfer all the money for the vehicle to the customer's name.

This method is popular in many overseas countries and regions. The main reason is that the price is transparent, so that the leasing company will be responsible for the maintenance and insurance of the vehicle. In fact, many car owners are using the car. This saves a lot of trouble in the process.

But in China, the situation has undergone some changes. We have seen many netizens and car owners reporting on the Internet that some car owners purchased new cars in the form of "zero yuan car purchase" and paid relevant fees every month or loan.

But after two or three years of payment, that is, after the repayment period is completed, these leasing companies will tell the car owners that the fees for these two or three years are only rental fees. If you want to obtain the ownership of the vehicle, you still need to pay There is a considerable amount of final payment, but the sum of the paid car payment and the final payment is much higher than the normal market price of this car. Therefore, many car owners shout that they have been cheated. Buying a car for 0 yuan does not save customers money in essence. It also cost the car owner a lot of money.

Compared with leasing and selling in many overseas countries, many domestic car purchases for 0 yuan are essentially car-centric and exploit consumers at every level.

For example, insurance, many cars in China are rented for sale or purchased for 0 yuan. When signing a contract with the customer, the consumer still has to pay for the insurance themselves, and the overall premium for this type of car is relatively high. , and repairs and maintenance are also the responsibility of the customer.

So overall, in addition to spending more money, in fact, these rental companies basically have "zero responsibility and zero burden", and consumers bear all costs and responsibilities.

Of course there is another problem, that is, for most car purchases for 0 yuan and rental purchases, the price of the vehicle is generally relatively high.

As we all know, the domestic auto market has been relatively sluggish in the past two years, so many models have large discounts. However, many cars are purchased for 0 yuan or rented. Although the down payment is extremely low, the car is basically sold at the original price. Plus various fees, it costs a lot more than buying a car through market channels. The craziest situation we have heard is, The total cost of the car owner is twice as much as the market price!

Another problem is the forced collection of cars. Many businesses that offer cars for zero yuan or rent-to-purchase have some extraordinary tactics, especially when customers refuse to pay because they fail to repay in time or after seeing through the trick. Then these manufacturers will come to your doorstep to force you to collect the car, and all previous fees will not be refunded.

The result of this is that no matter what method is used, merchants will almost never have any possibility of losing money, and they will basically make huge profits!

So renting a car or buying a car for 0 yuan was originally a new form of consumption, but under the operation of some unscrupulous merchants, it has become a behavior that harms consumers. Therefore, for many consumers who are ready to buy a car and use it for a long time, we suggest that it is relatively safe to buy a car through official channels, that is, normal dealers/4S store channels, such as buying a car for 0 yuan and renting it. Many third-party merchants in China have turned into a routine to harm consumers.

This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.