1. Car loan and mortgage loan are interest-free for three years and two years. Is this a trick? Is the interest rate for the third year...

Interest-free for two years and charges for the third year? I have never heard of this type of loan

2. What are the pitfalls of three-year interest-free car loans

The pitfalls of three-year interest-free car loans are as follows:

1. First, when buying a car by installment, there is a "trick" behind 0 interest for 3 years. Nowadays, many 4S stores are offering promotions such as "0 interest for 3 years", "interest-free for 2 years" and "0 down payment". The purpose is transparent. 4S stores are facing the second issue. Competition from third-party car dealers and various brands in the same industry has led them to keep car prices very low. However, in order to survive and make a profit, they can only buy cars in installments and charge various additional services accordingly. This is also the strategy of many sales. Customers who like to buy a car with a loan have the advantage of buying a car with a loan. Likewise, a bare car will be more expensive than a loaned car, and this is all because there are various surcharges that can be charged for a loaned car. Many places will charge them directly when buying a car with a loan. If the loan amount is 2%-6%, but the payment is 100,000, the financial service fee may actually be 1,000.)

(2) Registration fee, new car registration fee, many 4S stores directly charge 500-2000 (200 is enough).

(3) GPS equipment and installation fees were around 000 in the first two years, but some were not charged in the last two years. (This fee can be cut)

(4) The first-year insurance for loaned cars is basically purchased from the 4S store, and the full coverage is much better than buying it yourself. (If it is really expensive, you can take out the car and get a guarantee before buying it again)

(5) Bundled sales, some 4S stores may ask for additional decoration fees if they see that there is not much profit on the full-priced car)

(6) Other fees, some may also include delivery fees, PDI testing fees, mortgage release fees, etc. (I strongly disagree).

2. Second, the "quality" of new cars is tricky

(1) When selling recalled vehicles, there may be problem cars, and the 4S store does not cooperate with the manufacturer to call them in time

(2) Cars in stock are generally sold within a month. If it exceeds 6 months, it is a car in stock. It is best to sell an imported car within 6 months. If it exceeds 12 months, it is a car in serious stock; Because the vehicle in stock has stayed for a long time, the surface, tires, parts, etc. are somewhat affected. The production time can be checked through the frame number during the vehicle inspection, or through the production nameplate on the side of the driver's door.

(3) Conceal the defects detected by PDI. Under certain circumstances, you need to ask the 4S store to provide a PDI inspection sheet during the vehicle inspection.

3. Third, new cars as a whole and insurance are more expensive. Taking a new car worth 100,000 yuan as an example, the purchase tax is about 9,000 yuan, and insurance costs were slightly more expensive in the past few years.

4. Fourth, the value retention rate of new cars is relatively low. Just talking about the value retention rate, it falls really fast. The new car is nearly 400,000 yuan, and it will be about 25 after one year. Of course, the value retention rate needs to be Depending on the circumstances, you can ignore the issue of price reductions for your daily use of a car, and do not consider changing cars frequently later.

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Advantages of new cars

1. Quality and after-sales guarantee. The quality of buying a car is a very important part. For new cars, basically There is no need to worry about this problem. New car manufacturers provide "3-guarantee" after-sales service for 3 years or 100,000 kilometers. There is no need to worry about it. As for things like the "Xi'an Benz female" and "Tesla brake failure" mentioned on the Internet, after all, they are extremely In individual cases, there is no need to worry.

2. The new car feels very good psychologically. Needless to say, no matter the interior, car condition, appearance, etc., it is very comfortable. Before you get a car loan, you need to explain all the expenses clearly. Before you pay the deposit, you must make a list of all the expenses that may be involved. Explain each item clearly, otherwise you may be "trapped". After you pay the deposit and the loan is approved, Many are difficult to negotiate. With each step of the process completed, the negotiable price becomes less and less. If you can make the full payment, it must be full payment. Even if there is interest-free, don't take out a mortgage. It can be paid all at once to save you some troubles

3. What does the three-year interest-free car mean?

Although there is no interest for three years, the 4S store still charges corresponding handling fees. These fees are basically around 5,000 yuan, which is quite a lot. And even if there is no interest, the 4S store will find a way to make money back elsewhere.

The three-year interest-free policy can be said to be the same for many models, but for this two-year interest-free policy, the required down payment is 50%, which means that if you look at a car worth 100,000 , you have to pay a down payment of 50,000, and the remaining 50,000 needs to be paid within two years. In fact, the remaining 50,000 yuan loan does not mean that the bank will not charge interest. The interest will be borne by the manufacturer and 4S store.

The wool comes from the sheep, there is no free lunch in the world. These two sentences are never wrong at any time. For profit-making organizations like 4S stores, unless they break through the South Wall to cross the Yellow River and make a road from dark to light, they are not allowed to make money for charity, which is impossible to do once in a century.

4. What is the formula for three years of interest-free purchase of a car? What are the pitfalls of three-year interest-free car loans

Three-year interest-free car loans are usually not a routine. Now many car brands offer three-year interest-free car purchases for many models. The purpose of this interest-free policy is to increase consumption and increase domestic demand. Moreover, three-year interest-free financial loan plans are provided directly by banks and also directly by automobile manufacturers. The interest-free car purchase policy has gradually become an effective means to promote vehicle sales.

There are generally no pitfalls with three-year interest-free car loans, but there are no absolutes. There are also some dealers who, under the three-year interest-free policy, add a lot of bundled content that is not approved by the manufacturer or the bank. For example, this car supports a three-year interest-free loan plan, but a loan service fee of 5,000 yuan is required. , and there are unreasonable requirements such as insurance and maintenance at the store for the next three years.

According to industry insiders, financial solutions are often disconnected from dealers’ other businesses, and there are no unreasonable preconditions. In addition, it is also suggested that interest-free financial solutions are not only available for dealers. Obtained from merchants, consumers who use credit cards on weekdays can borrow interest-free from financial institutions they are familiar with. This not only reduces the probability of being cheated by dealers, but also makes the procedures simpler.

To apply for an interest-free loan at a dealer, you generally need the following information: 1. Valid ID card; 2. Valid driver's license; 3. Bank statements for the past six months, and a bank statement in the past three days. Transfer records; 4. Bank savings card required by the lending institution for repayment.