Modern people demand higher and higher quality of life, and many people want to own their own car as a means of transportation for daily travel. However, it is still difficult to buy a car in full, so most people will choose to buy a car with zero down payment and interest-free loans. Is it cost-effective to buy a car with zero down payment and interest-free loan? Let's introduce it to everyone. It's not cost-effective to buy a car with a loan, but it depends on the situation. If we simply look at the cost of buying a car, the loan to buy a car will definitely be more than the full amount, but for investors, if the expected annualized expected income is offset by interest expenses, then the loan to buy a car is still cost-effective. There are already many car manufacturers in the market who have bought cars with zero down payment and interest-free loans. In order to lower the consumption threshold and attract more car buyers, many loan car purchase schemes have appeared in front of car buyers, among which "zero down payment and interest-free loans" have attracted many car buyers and excited some prospective car owners with phased plans. What is a zero down payment interest-free loan to buy a car? The so-called zero down payment interest-free loan to buy a car means you don't need to pay down payment. Simply put, you only need to provide a certain mortgage, and then lend the money from the bank lending institution to buy a car. Not every car loan applicant is suitable for this kind of application because of the high risk of buying a car by installment and zero down payment. The so-called "zero down payment" can be divided into two ways: "small zero" and "big zero". "Small zero" means that the lender only needs to pay the vehicle purchase tax, insurance premium and other related expenses, and does not need to spend a penny to drive the car home; "Big zero" means that the above related expenses will not be paid. Generally, the so-called "zero down payment to buy a car by installments" is mostly "small zero". A prospective car owner who is handling a "zero down payment interest-free loan to buy a car" told us: "Because of limited funds at hand, I have been hesitating whether to buy a car. However, after seeing the car dealer's zero down payment interest-free loan to buy a car, I immediately decided to buy a car in advance. " A car dealer told us: "The zero down payment interest-free loan will make the citizens who are originally short of money have the impulse to buy a car again, and for those who are interested in buying a car, this scheme will encourage them to further choose higher-grade vehicles. This is a win-win situation for car buyers and dealers. In addition, under normal circumstances, zero down payment interest-free loans will only be available in the off-season of the auto market. " For the car purchase method of "zero down payment interest-free loan to buy a car", a Mazda staff member said: "This is a disguised promotion. Compared with foreign countries, the domestic zero expected annualized interest rate is not equal to the real interest-free loan car purchase. If you want to get a real car purchase discount, you need consumers to measure it themselves. "