There are many tricks, which are traps.

Nowadays, people's consumption concepts are relatively avant-garde. When buying a car, they no longer only choose to buy a car in full. More and more people will consider buying a car with a loan. In addition, 4S stores will also launch a variety of loan car purchase services in order to increase car sales in their own stores. One of these is a loan policy that claims to be interest-free for two years, but there are many things that car owners should pay attention to.

The two-year interest-free loan for buying a car actually involves a lot of tricks:

1. For many models, the two-year interest-free loan may require a down payment of 40 or 50 , instead of a simple down payment of 30.

The remaining amount needs to be paid off within two years. In fact, the remaining loan does not mean that the bank does not charge interest from the car owner, but that it becomes borne by the manufacturer and 4S store.

2. Since the two-year interest is borne by the 4S store and the manufacturer, in order to make profits, the 4S store will naturally find profits from other places. For example, if a lot of handling fees are charged, even if the car owner is unhappy about having to pay so many handling fees for the loan, he can only pay it in the face of the two-year interest-free period.

3. In addition to charging handling fees, which is an unwritten rule in the industry, car owners are also required to buy insurance, and they must buy insurance in a 4S store. In addition to the necessary insurance, there are other commercial insurances that car owners are forced to purchase.

So when faced with the two-year interest-free loan business, its shortcomings naturally appear:

1. One of the obvious shortcomings of the two-year interest-free loan is that there are many tricks. Car owners When buying a car, I just want to simply take out a loan and buy a car. How can I expect to have to deal with so many routines and traps?

2. In addition, after car owners apply for a two-year interest-free loan, they may not be able to enjoy other car purchase discounts, otherwise the 4S store will not be cost-effective.