As long as it is a loan, there is interest or handling fee, and the full amount is nothing. Are two concepts. How can we talk about preferential treatment?

The interest-free loans granted by some banks to individual models (used cars) do not mean that there is no handling fee. After free, the handling fee is similar to the interest, so you won't take too much advantage.

Second, why is it more expensive to buy a car in cash than a mortgage?

In this case, if you haven't been to the point of sale to buy a car, you must think you are joking, but what you said is true, true. Analyze from the following three reasons:

First of all, there is an agreement between the point of sale and the bank. The agreement will stipulate the quantity that the point of sale must complete each year. Only when a certain amount is completed, the bank will give the point of sale a rebate, and the point of sale will get more profits when selling other mortgage cars. Therefore, they hope that consumers will choose to buy a car by mortgage in the future to gain more profit space;

Second, the mortgage car will charge a mortgage management fee. Although on the surface, the mortgage is interest-free, but in fact, after careful calculation, the mortgage management fee is higher than the interest, and consumers have to pay more.

Third, the mortgage car has a bundling business. For example, auto insurance must be purchased at the point of sale, and maintenance must be done at the point of sale. In fact, the rebate given by the insurance company to the point of sale is very high. Generally, there will be 15-20 rebate points.

And if you buy a car in full, you can choose to add it yourself, choose your own insurance company and choose your own maintenance point. They can't earn your money for the above three points. So when they calculate the total price for you, on the surface, he gives you the calculation based on the actual price sold to you, not the actual price after their commission. For example, the calculated price of your mortgage is 193000, and the actual price after their commission is 188000. But if you buy a car in full, they won't give you a discount in many places, and the price for you may be 654300.

Third, why is the car loan more favorable than the full amount?

Hello, why do you say that buying a car with a loan is more cost-effective than the full amount? In fact, this is very simple, mainly loan interest. Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage. The reason why the car loan is more favorable than the full amount is because the buyer can charge the loan fee. For the seller, the loan and the full amount are paid in full, and there are loan fees, so it is more favorable to buy a car with a loan than with a full amount.

Share the knowledge of auto loan with you:

Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Loan interest rate: uniformly stipulated by the People's Bank of China.

Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).

An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.

The above is the relevant knowledge about auto loan. If you need money urgently, I suggest you choose a big brand loan, with transparent interest and fees to ensure your information security. "Youhuahua" is the original Baidu financial credit service brand (formerly known as Baidu Youhuahua, renamed as "Youhuahua" on June 201August). Its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. Relying on the advantages of Baidu technology and scene, "Qianhua" uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe Internet credit services. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. I hope this answer is helpful to you. Click on the bottom of the phone to measure the amount immediately. The maximum loan amount is 200,000 yuan.

Fourth, why is it more favorable to buy a car with a loan than with the full amount?

People who borrow money to buy a car buy a car because they earn more benefits and pay less.