Generally speaking, it is more formal to buy a car in a 4S store and buy a car through a mortgage. Basically, every automobile manufacturer will have automobile financial services from OEM. Generally speaking, models with interest-free slogans are generally financed by manufacturers, and interest-free is not completely interest-free, so there will be a certain threshold.

Interest-free is generally only for individual models. And the handling fee and GPS fee will be higher. However, the interest of manufacturer finance is incomparable to all other auto finance products. However, one of the biggest defects of manufacturer finance is that the quota is not high, generally only about 50%, and the models with high quota are about 70%.

Extended data:

The introduction of auto loan is as follows:

In addition to factory financing, 4S stores will also provide bank loans and guarantee company loans. The general bank loan amount is 70%, while the guarantee company can reach 80% or even 90%. The interest rate of car loan business in regular banks is not very high, basically around 4% to 5%.

The interest on the loan from the guarantee company is a little over 6%. The procedures of regular bank car loan business will generally be more complicated, and the procedures of guarantee companies will be simpler. Everyone must pay attention to choosing a formal guarantee company when borrowing money, otherwise there will be serious credit consequences and property losses.

Phoenix. Do you know three common loan schemes?

How much does it cost to buy a car with a loan? What's the problem?