Although many automobile brands seem to enjoy interest-free monthly payment, the fees paid in advance, such as loan fees, vehicle inspection license fees, insurance fees and delivery fees, have become the "invisible cost" of loan car purchase. At the same time, some automobile brands require to buy a full set of automobile decorations at the original price, and these decorations can enjoy preferential prices if they are purchased in full.
In addition, some brands have year-end promotion activities, and many models have discounts at different prices, but if you buy a car with a credit card, you can't participate in the preferential activities. In other words, interest-free not only has no preferential treatment for car buyers, but may increase the cost of car purchase.
Extended data:
For example, in a 4S shop of a car brand in Chaoyang District, Beijing, if you are optimistic about the specific model and negotiate the final price of 249,800 yuan, you still need to pay a certain' loan fee' on the day of buying a car. The cost is generally 0%-3% of the loan amount of 65438+ depending on the vehicle type. The handling fee for this model is 2000 yuan.
In addition to the purchase tax and other expenses that the state must pay, the details also include insurance premiums, exit fees, bank charges and other expenses.
China Net-Interest-free car purchase Many car brands are gimmicks: it may increase the cost of car purchase.