Guazi used car has its own cooperative banks and financial institutions, and provides corresponding financial packages according to the price and budget of the car. It is also a form of mortgage. Individuals can choose according to their own situation, and they can buy their favorite cars without financial pressure. As long as the payable amount of the package is completed on time, there will be no worries, which is very convenient, and it is also a series of services launched by melon seeds used cars. .
Second, how is the melon seed used car loan made?
People who cheat you, they are not qualified, you should use your verification code to check credit; The so-called loan is actually a makeover of the lease. This is not a loan agreement, but a lease agreement with them. After signing the contract, the ownership of your car will belong to Guazi Finance, and then it will be rented to you. The so-called interest you pay is actually the rent for renting a car.
Third, the so-called 30% loan is for you to pay by yourself, and then calculate the money they lend you and let you pay interest. Calculated, interest/actual loan amount = 1/2. In other words, if the melon seeds cost 1000 yuan, you have to pay nearly 5000 cents of "interest"-in fact, it is the rent.
Third, how about buying a car with a melon seed second-hand car loan? Is this a good deal?
Not so good, not cost-effective.
It is different from the financial models provided by traditional financial institutions, such as consumer loans, car loans and credit loans. At present, it is basically a car financing lease mode, more accurately, it is a financing lease mode of sale and leaseback.
brief introduction
What is leaseback? Under the leaseback mode, suppliers, lessors and lessees transfer the ownership of vehicles to financial leasing companies (lessors), and obtain funds around individuals (suppliers) who need car funds through sales. Rent it to a customer (lessee) who needs a car, and collect the rent. The customer (lessee) will continue to keep the car.
In the second-hand car sale and leaseback mode, the supplier and the lessee are the same person and both are customers who buy cars. Said that the family bought a car and put gold; At the same time, the leasing company rents the car to customers. During the lease period, the customer transfers the ownership of the vehicle in order to obtain funds, and recovers the ownership of the vehicle at the expiration of the lease period.
4. Should the loan interest of melon seeds used cars be paid in one lump sum? Introduction of repayment method!
Now there are more and more friends who plan to buy a car, and many will choose online platforms to handle car loans. A friend came to ask: should the interest on melon seeds used car loans be paid back in one lump sum? Here, I will give you a detailed introduction to the repayment method of melon seeds used cars, hoping to help you figure out how to repay the loan interest.
The melon seeds used car loan is repaid in installments, and everyone can drive away after paying the down payment and various expenses. In the process of installment repayment, everyone's loan interest will also be returned in the installment bill. Therefore, the interest of melon seeds used car loan is not paid in one lump sum, and everyone can pay it back in installments. For example, if you buy a car with a total price of 10000 yuan with a melon seed second-hand car loan, you will pay 30% down payment, that is, 10000 yuan, which will be repaid in 36 installments, with a monthly payment of 2 1 1 yuan. In the monthly payment, we need to pay interest. After paying off the loan, the repayment amount paid by everyone is 211× 3626200 =102196 yuan. Among them, the total loan interest is102196-87200 =14996 yuan. Need to be reminded that while paying the down payment, you may also need to pay GPS equipment service fees, consulting fees, management fees and other fees. These expenses need to be paid in one lump sum. Above, we introduced whether the loan interest of melon seeds used cars should be paid in one lump sum. Generally speaking, the interest of melon seeds used car loan does not need to be paid in one lump sum, but the down payment and various expenses need to be paid in one lump sum.