A, Toyota, Honda, Buick, Hyundai and many other cars can get interest-free loans. The partners of each bank are different, so the relative brands and models are different. It depends on which banks the local distributors cooperate with.
Secondly, according to the auto financing company's statement about interest-free loans for car purchase, it actually refers to a car purchase scheme launched by the auto financing company. Consumers can only enjoy interest-free/zero-interest auto loans if they pay enough down payment and pay off the loans within a certain period of time.
Third, a certain period of time, the general auto financing company refers to one year (there are also more than one year, the products of different companies are different), that is to say, if you choose to buy a car with an interest-free loan, then the loan applicant must pay in installments within 12 months.
If the consumer can't repay the car loan within one year, the excess will still be accounted for. In this 12 month, the interest on the car loan was paid by the car manufacturer or car dealer. It can be seen that this kind of interest-free loan to buy a car is also a gimmick to attract consumers.
Small secured loans have a clear division of labor, and the labor department accepts the application, then the guarantee institution confirms the guarantee, and finally the bank applies for the loan. "If entrepreneurs want to apply, they can consult the local labor department. At present, individuals pay interest first, then financial subsidies, or financial interest subsidies in advance. The relevant plan has not yet been determined, but the financial interest subsidies are affirmative. "
At least offset the administrative expenses, and then the bank will cooperate with the request to add credit cards or wedding photography or various members or open trading accounts when the loan is interest-free. This is a wonderful way to expand customers. Some or many future trading opportunities, and even they may be rewarded for expanding their achievements in the competition.
Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions. "Zero interest rate" is a loan contract reached between banks and individuals or organizations through mutual trust.
202 1 What car is interest-free for three years?
Now Audi Q3, Audi Q5, Audi A6, Audi 44 and other series models have interest-free loans. According to the data given by relevant institutions, users can enjoy a maximum interest-free discount of 200,000 yuan when applying for Audi series models. However, users need to apply in 4S stores, and they can't apply in banks.
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1.202 1, many financial institutions did offer car loans with zero down payment and three years' interest-free in order to attract users, but it doesn't mean that applying for car loans on 202 1 is interest-free. If the user applies for a car loan at the bank, there is basically no interest-free possibility. If users apply for interest-free loans in auto financing institutions, some auto financing companies do have such services. If a user applies for an interest-free loan in a 4S store, he may only choose certain models. If you apply for an interest-free loan in a 4S shop, it means that the interest needs to be paid by the dealer, and the user only needs to pay off the principal on schedule every month. However, subsequent owners are likely to have to pay more money. If you apply for a three-year interest-free loan in a 4S shop, you may need to buy various insurances such as auto insurance, burglary insurance and compulsory insurance, and various expenses such as auto parts and vehicle maintenance may need to be bundled with the 4S shop. Some 4S stores even indicate in the contract that the owner needs to pay a certain "service fee" to the 4S store every month.
Second, 202 1, if users want to apply for interest-free car loans, they need to control their debt ratio first. According to relevant regulations, banks and other financial institutions pay more and more attention to the debt ratio of car loan applications. If the applicant's debt ratio exceeds 40%, it is difficult to apply for an interest-free loan. On the other hand, if the borrower's debt ratio does not exceed 40%, the possibility of applying for an interest-free loan will increase a lot. It should also be noted that the amount of car loan itself is also included in the debt ratio of 40%. Of course, increasing the down payment ratio can also improve the success rate of users applying for interest-free car loans.
3. According to the latest one-year benchmark interest rate of 3.85% of the central bank, the car loan time of most financial institutions will not exceed three years. So the following is calculated according to the one-year benchmark interest rate, which means that the car loan interest rate of 202 1 is about 4.2%-4.7%. If users apply for car loans in 4S stores, the interest rate may be higher.
Can I buy a car for 25 periods at zero interest?
Not all cars have zero interest on buying a car for 25 periods. This kind of interest-free installment car depends on different models to decide the installment time and whether it is interest-free. Now many models have interest-free and installment discount activities. Buying a car in installments is not for all cars, but can be divided into 25 installments with zero interest.