According to the Notice on Adjusting the Policies Related to Automobile Loans, from 20 18 and 1, the highest proportion of loans for self-use traditional power vehicles is 80%, and the highest proportion of loans for commercial traditional power vehicles is 70%.
The maximum loan ratio for self-use new energy vehicles is 85%, and the maximum loan ratio for commercial new energy vehicles is 75%; The proportion of second-hand car loans is up to 70%.
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Precautions:
During the lease period, consumers enjoy the right to use and pay the rent by installments. At the end of the lease period, consumers can choose to own the car, or the merchant can recover its residual value, or replace it with other models to continue the lease. In the eyes of the industry, this model bypasses the down payment limit and allows consumers to buy cars with less money.
"Once a consumer who buys a car through financial leasing defaults and fails to pay the rental fee on time, the leasing company has the right to take back the car. Not only that, consumers may also bear liquidated damages. In the face of such disputes, it is not easy to take legal channels to safeguard rights. " Chen Yinjiang reminded consumers that when they need loans to buy a car, they must read the contract carefully.
People's Daily Online-Do you understand that there is something fishy behind buying a car with "zero down payment" and "10% discount"?
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