When making an interest-free loan, it will involve handling fees, service fees or some other expenses incurred by the loan. If your two-year loan amount is around 50,000 yuan, then the total handling fee is between 1 1,000 yuan and 2,000 yuan, and there is no other fee. I think it's more cost-effective, but if other expenses add up to more than 5 thousand or 6 thousand, in fact, I don't think it's particularly cost-effective, which is equivalent to the interest generated by 50 thousand yuan for two years.

Second, is it cost-effective to buy a car with interest-free loans? What is the process?

Now many car dealers and bank credit cards will engage in zero down payment and interest-free loans to buy a car. You can go to the credit card website or the car manufacturer. Is it worth buying a car with an interest-free loan? 1. The car price of interest-free car loan may be higher than the car price of directly applying for interest-bearing car loan or full car loan. 2. Although the interest-free car loan has no interest, it does not mean that there are no other expenses. Such as handling fees, management fees and other expenses. It may eventually be higher than the loan cost of interest-bearing loans. Therefore, although buying a car with interest-free loans sounds beautiful, it can really bring discounts to customers. But not every customer is suitable for this kind of interest-free loan to buy a car. I suggest you measure it and choose the one that suits you. Interest-free loan car purchase process: 1. First, you must apply for a credit card from a bank that can provide interest-free loans to buy a car. Of course, you can call the bank customer service in advance and ask whether you can enjoy the qualification of interest-free car loan after applying for this credit card. 2. After handling the bank credit card, ask which 4S stores can provide related car loan activities. After that, please go to the 4S shop that signed a contract with the bank to ask about the car loan preferential activities of the models you are concerned about. 3. Credit card holders hold valid documents to the dealer's 4S shop to choose the car payment, and talk about all car purchase conditions. Generally speaking, the preferential margin of full car purchase will be greater than that of loan car purchase. Of course, the situation in each store is different. If you are not afraid of hard work and want to save money, you must be diligent and demanding. After selecting the model, fill in the installment order at the dealer and wait for the bank's audit. 4. If you pass the bank's audit, take the car down payment to the dealer. It should be noted that the down payment cannot be swiped by the borrower's credit card. This is not allowed by the bank. 5. After the vehicle is licensed, you need to go to the credit card department of the borrowing bank to handle the vehicle mortgage procedures. 6. After completing the mortgage formalities of the bank and receiving the notice of car pick-up from the dealer, you can pick up the car.

3. Is it difficult to buy a car with an interest-free loan?

Interest-free loans are rarely provided, and ordinary loans will have interest. You can find more platforms and see which platform will provide you with interest-free loans.

4. What are the procedures for buying a car with an interest-free loan?

First, you must apply for a bank credit card that can provide interest-free loans to buy a car, and unwittingly ask whether your credit card can enjoy the qualification of interest-free car loans.

Second, after handling the bank credit card, ask which 4S stores can provide relevant interest-free loan activities (note that not all 4S stores can handle interest-free cars. This bank has a cooperation contract with 4S stores and asks about the car activities you need.

Third, the credit card holder holds a valid certificate, goes to the dealer's 4S shop to choose a car model, and talks about all car purchase conditions. Generally speaking, the preferential margin of full car purchase will be greater than that of loan car purchase. Of course, the situation in each store is different. If you are not afraid of hard work and want to save money, you must be diligent and demanding. After selecting the model, fill in the installment order at the dealer and wait for the bank's review.

Fourth, if you pass the bank's audit, take the car down payment to the dealer. It should be noted that the down payment cannot be swiped by the borrower's credit card.

Five, after the vehicle license, you must go through the mortgage formalities at the loan bank.

6. You can pick up the car after completing the mortgage formalities of the bank.