This is a routine. Interest-free does not mean free. In fact, zero-interest loans are not new in the financial market. It is an automobile loan business jointly launched by automobile production enterprises and banks or auto financing companies. However, in practice, in order to make up for their own losses, car dealers often ask consumers to pay handling fees when buying cars or loans. This is also a way to charge interest in disguise.

There is a handling fee for the loan. The loan is 12 months for one year and 24 months for two years. Monthly handling fee 100 yuan. If you choose a three-year interest-free loan to buy a car, you must pay a handling fee of 3600 yuan before picking up the car.

Second, loans can require customers to be insured for three consecutive years, including requiring customers to pay a renewal deposit of one or two thousand yuan. Until the end of the three-year renewal, the 4s shop will return the renewal deposit to the owner.

Matters needing attention in automobile loan

1, attention should be paid to credit review.

When considering the borrower's repayment ability, the bank will comprehensively consider the borrower's real estate status, income, occupation, credit record, and even industry, education and other factors to judge the borrower's loan qualification. In addition to paying attention to the real estate license, the borrower's occupation and income are all important criteria.

2. The loan certificate should be complete.

Generally, to apply for a personal car loan from a bank, the borrower needs to prepare identity documents (ID card, household registration book or residence certificate), marriage certificate and valid income certificate (tax bill, salary slip, salary passbook, etc.). ) or other valid proof of income sources (funds, stocks, other monetary income, etc.). ). If a family applies for a personal car loan from a bank, it should also submit the identity certificate of the borrower's spouse to the bank.

202 1 What car is interest-free for three years?

Now Audi Q3, Audi Q5, Audi A6, Audi 44 and other series models have interest-free loans. According to the data given by relevant institutions, users can enjoy a maximum interest-free discount of 200,000 yuan when applying for Audi series models. However, users need to apply in 4S stores, and they can't apply in banks.

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1.202 1, many financial institutions did offer car loans with zero down payment and three years' interest-free in order to attract users, but it doesn't mean that applying for car loans on 202 1 is interest-free. If the user applies for a car loan at the bank, there is basically no interest-free possibility. If users apply for interest-free loans in auto financing institutions, some auto financing companies do have such services. If a user applies for an interest-free loan in a 4S store, he may only choose certain models. If you apply for an interest-free loan in a 4S shop, it means that the interest needs to be paid by the dealer, and the user only needs to pay off the principal on schedule every month. However, subsequent owners are likely to have to pay more. If you apply for a three-year interest-free loan in a 4S shop, you may need to buy various insurances such as auto insurance, burglary insurance and compulsory insurance, and various expenses such as auto parts and vehicle maintenance may need to be bundled with the 4S shop. Some 4S stores even indicate in the contract that the owner needs to pay a certain "service fee" to the 4S store every month.

Second, 202 1, if users want to apply for interest-free car loans, they need to control their debt ratio first. According to relevant regulations, banks and other financial institutions pay more and more attention to the debt ratio of car loan applications. If the applicant's debt ratio exceeds 40%, it is difficult to apply for an interest-free loan. On the other hand, if the borrower's debt ratio does not exceed 40%, the possibility of applying for an interest-free loan will increase a lot. It should also be noted that the amount of car loan itself is also included in the debt ratio of 40%. Of course, increasing the down payment ratio can also improve the success rate of users applying for interest-free car loans.

3. According to the latest one-year benchmark interest rate of 3.85% of the central bank, the car loan time of most financial institutions will not exceed three years. So the following is calculated according to the one-year benchmark interest rate, which means that the car loan interest rate of 202 1 is about 4.2%-4.7%. If users apply for car loans in 4S stores, the interest rate may be higher.

What does it mean to borrow 60 thousand without interest for three years

You can apply for a bank loan of 60 thousand yuan, which will be repaid in 36 installments every month, that is, for three years, without loan interest.

A three-year interest-free loan of 60,000 yuan does not require loan interest, but only a certain handling fee.

There are many things to pay attention to in loan, which are mainly divided into several parts:

1. Banks are preferred for loans, and then other institutions or online loans are considered.

2. Prepare all the materials needed by the bank.

3. Provide proof of social security and provident fund.

Freelancers need a steady stream of water.

What bank is the 500 thousand three-year interest-free loan from?

500,000 three-year interest-free loan comes from China Construction Bank. According to relevant information, CCB can apply for a maximum loan amount of 500,000 yuan for renovation loan, and enjoy an interest-free loan for three years.

What are the three-year interest-free car purchases?

Now many brands can buy a car without interest for three years. Specifically, you need to go to the local 4S shop for consultation. The main purpose of three-year interest-free car purchase is to sell cars. A car brand often has several models that can meet people's needs and sell well, while some models are unpopular. Usually interest-free loans are for those unpopular models. Three-year interest-free car purchase can help consumers who don't have enough cash to buy a car, but the loan is worried that interest will become a burden of life, so you can take out the money with confidence. And there will be many routines in the three-year interest-free period. For example: 1. Cannot enjoy other benefits. For example, 4S stores are engaged in activities, no matter what mode, there is a preferential margin of about 20 thousand yuan, but if you choose interest-free loans, you can't participate in preferential activities. 2. Vehicles participating in interest-free loans are often sold at the guiding price, even if the discount is far lower than the full purchase price. 3. Bundle sales. If you buy a car without interest, you must buy some products. For example, buy car decoration, car insurance and so on in the store. Bottom line: wool comes from sheep.

Three-year interest-free conditions of Changan Finance

The interest-free condition of Changan Finance is that the down payment is 50%, the down payment plus purchase tax is more than 80,000, and the subsequent loans are interest-free for three years. The interest-free policy introduced by Changan Finance is of great benefit to large loans.

1. Precautions for Changan Financial Loan

All the wealth management products sold by this company are owned by themselves. For product details, please consult the local car dealers that the company cooperates with. When applying for a loan, customers should handle it in person, and don't give the information to others, so as not to be borrowed under an assumed name. Customers have the right to know the loan conditions, loan term, loan interest rate, repayment method, guarantee method and other information at the loan application stage. Before signing the loan contract, customers should choose the appropriate loan term and repayment method according to their actual financial situation. Customers should know more about the related services and charges attached to the loans provided by our company, and have the right to refuse the compulsory bundling or illegal charges of our company. Personal car loans should be used in accordance with the contract, and customers should not use financial products and services to engage in illegal activities. Failing to repay the loan within the time limit will have a bad influence on the personal credit record. At the same time, the company will charge corresponding penalty interest and compound interest according to the contract, and the customer should repay the loan on time according to the contract.

2. Changan Financial Claims Process

We can choose "automobile lifetime-after-loan service-insurance claim" in turn through the official account of Changan Financial WeChat, and then submit the insurance information and materials (self-vehicle maintenance invoice, insurance company loss list, and multiple accident traffic accident confirmation). After submission, Changan Finance will complete the review. Through the insurance claim results, we can download the indemnity payment letter to the insurance company for payment, or send the insurance claim information to Changan Finance. But this company has many other compensation standards, so we must pay attention to the regulations when signing the contract. Many people apply for interest-free loans, but they don't. When they apply for automobile consumption loans in Changan Finance Company, they will sign automobile consumption loan mortgage contracts with customers, and the loan amount and interest will be indicated in the contracts, so that everyone can see clearly and avoid unnecessary troubles.

As a big brand company, Changan Finance has a high probability that there will be no fraud. You can rest assured of the loan, but you must be optimistic about the provisions of the contract signed during the loan process, how much interest is free, and how much you can borrow.

The introduction of three-year interest-free loans ends here.