Pacific Auto Network paid 3,000 yuan to buy a car, which is a new car network for edamame. Many advertisements are down payment 10%? Buy a car? Banners, some of which may be obscure, have never been used? Buy? 、? Buy? In this case, few advertisements will point it out directly? Ten percent down payment? The essence of our business is not buying, but renting. So-called? Ten percent down payment for buying a car? The essence is car financing leasing business.

What is car financing lease?

To put it simply, auto financing lease means that consumers pass? Purchasing by rent? Get the right to use and possess the vehicle first, then pay the rent every month, and get the ownership of the vehicle after the lease expires. From the mode, it is mainly divided into two modes: direct rent and leaseback. No matter which mode, during the lease period, the ownership of the vehicle belongs to the leasing company, that is, the vehicle on the driving book is registered in the name of the leasing company.

In essence, financial leasing is leasing, and loan to buy a car is borrowing. Financial leasing is tripartite, and two contracts need to be signed; Consumer credit refers to the signing of contracts between borrowers and lenders.

The application threshold is different. Generally, loan applicants are required to have a stable job and income source, and their personal credit information is good. If you apply for a bank car loan, ask them to provide more, and some ask the lender to provide guarantee or mortgage. The threshold of financial leasing business is relatively low, and some customers who cannot apply for car loans can choose to apply for financial leasing business.

In addition, the ownership of cars is also different. The car ownership in financial leasing belongs to the lessor, while the car ownership in loan purchase business belongs to the consumer.

(Photo/Text/Photo: Pacific Auto Network Zhu Zhenduo)