This question is not fully stated and cannot be answered accurately. But a piece of news can be linked to serve as a warning to citizens.
A 740,000-car car requires a payment of 1.3 million. Zhejiang detects "zero down payment car purchase" fraud case
Can you buy a Range Rover with zero down payment? Such a beautiful thing is actually a big trap carefully designed by scammers, and the victim is saddled with a huge mortgage loan. Recently, the Public Security Bureau of Tiantai County (Zhejiang) detected a "zero down payment car purchase" fraud case involving dozens of car buyers. After more than a year of investigation and evidence collection, the case was finally clarified and has now been transferred for prosecution.
A white wolf with empty gloves
Establishing an automobile trading company
In December 2012, Luo found his friends Wang, Jin, An, and Hua Together with others, they established Tiantai County Friends Auto Trading Co., Ltd. to mainly carry out car loan business. In the early days of establishment, Luo promised that in addition to the basic salary, he would get a commission of 15,000 yuan for each car made with a price of more than 500,000 yuan, and a commission of 12,000 yuan for each car with a price of less than 500,000 yuan. Seeing such considerable benefits, company members worked hard.
In order to carry out business better, Luo asked Jin and An to go to a guarantee company in Hangzhou for training first. The guarantee company signed a cooperation agreement on auto consumer loan business in Taizhou with Friends Auto Trading Co., Ltd. All auto loan businesses in the Taizhou area are funded by the guarantee company first, and then the guarantee company handles the mortgage from the bank.
The content of the training that the two participated in included how to sign the car purchase contract, how to operate the video interview, and the approval of customer information, etc. After that, Luo arranged for Wang and Hua to serve as business managers, responsible for attracting customers to negotiate business.
They solicit business mainly by posting “zero down payment car purchase” information in QQ groups and WeChat Moments, soliciting business at the entrance of car 4S stores, and introducing friends to friends.
Zero down payment is a fake
High loan arbitrage is real
After setting up a large network, the company quickly received its first big order.
At the beginning of 2013, Xu, a businessman, wanted to buy a Land Rover. After being introduced by a friend, Xu met the business manager Wang. Wang told Xu that you can buy a car with zero down payment. You only need to provide the corresponding information and you don’t have to worry about anything else. It is convenient, fast and worry-free.
Hearing this, Xu thought he could give it a try, so he gave Wang his ID card, household registration book, marriage certificate, real estate certificate and other information. Wang immediately asked Xu to sign a stack of blank documents such as a guarantee agreement, a mortgage contract, and a vehicle purchase agreement.
Half a month later, Wang called Xu and asked him to go to a hotel in Luqiao for a video interview. The person who received Xu's interview was a trained Jin. Before the interview, Jin handed Xu a piece of paper, which contained what Xu wanted to answer: The model purchased was a Ford Land Rover Range Rover series, and the loan amount was 1.3 million yuan, which should be paid off in three years. The interview ended in a few minutes, and Xu later learned that it was a bank employee who interviewed him.
The actual model Xu wanted to buy was the Land Rover 3.0 diesel version, and there was a price difference of 558,600 yuan from the model written on the paper. At that time, Jin explained that buying a car with zero down payment was just like that, and the extra money would be returned to Xu later.
In fact, what Xu is still in the dark about is that among the materials submitted by Jin to the guarantee company, the so-called land lease contract, business license, personal salary income certificate, and bank confirmation in Xu’s name The bills and so on were all fabricated out of thin air by Jin and An.
Two weeks later, Xu got the vehicle at Friends Automobile Trading Co., Ltd. From then on, Xu had to pay a monthly mortgage of more than 37,000 yuan, which was paid off in three years. The mortgage payment was a full 558,600 yuan more than the actual amount Xu should pay.
Fake information
The guarantee company discovered that the advance was excessive
According to this operating mode, under Luo’s instructions, the company made a *** From 24 transactions, excluding various insurances and taxes, the company earned more than 4.8 million yuan. Just when Luo continued to follow the same pattern and expected more profits, the incident happened.
In October 2013, the company submitted six customer information to the guarantee company. During the review process, the Hangzhou guarantee company discovered something fishy. It is clear that the car model actually purchased by the customer is a BMW 320, but the advance payment required by the guarantee company becomes a BMW 5 Series GT series. In addition to raising the price of the car, the car purchase invoices, insurance policies, etc. provided by it are all false. , causing the company to bear excess advance capital. Therefore, Zhao, the manager of the guarantee company, chose to call the police.
The case that took more than a year to surface came to light
After receiving the alarm, the Tiantai Economic Investigation Team immediately launched an investigation. Due to the large number of people involved in the case, the wide range of cases involved, and the large amount of money involved, the case is quite complex and difficult to handle. After more than a year of investigation and evidence collection, the case was finally clarified.
In order to get away with nothing, Luo came up with the strategy of "loans" to arbitrage money. First, brag to customers about the convenience of buying a car from your company, with no down payment required and quick car pickup. Then they ask uninformed customers to sign a series of contracts and agreements, and after confusing the customers, they are then tempted to get corresponding benefits by increasing the car price. Finally, after Luo mentioned the car, he installed a GPS on the new car to track and locate the customer at any time. Once the customer fails to pay the loan on time, he can take the car back.
Regarding the customer's loan amount, Luo taught An to invoice at 70% of the actual car price, which is often a higher price than the model actually purchased by the customer. After calculating the corresponding insurance premium, Luo asked An to call Fatty, who made fake invoices in Luqiao. According to the information sent by An, Fatty will make fake invoices and fake insurance policies. If there are no real estate certificates, land certificates, bank statements and other important loan vouchers in the customer information, Fatty will also prepare them together. After An got the information, he forwarded it to the guarantee company for review.
Currently, the case has been transferred for prosecution.
Reminder
Don’t let “zero” confuse your eyes
The police said that ordinary consumers have some misunderstandings about buying a car with zero down payment. Zero down payment will bring you greater benefits. In fact, under the surface of zero down payment, the costs incurred in the process are relatively high, such as guarantee fees, handling fees, interest, appraisal fees and other fees. Applicants for automobile consumer loans must make choices based on their own economic conditions and specific circumstances, and do not be fooled by some superficial marketing methods, such as zero interest rates, zero monthly payments, etc., because zero interest rates do not mean zero fees, and zero down payment If you buy a car, the monthly repayment may be higher. Applicants must carefully compare the repayment amount, monthly interest rate, repayment period, etc., and do not let the "zero" of buying a car with zero down payment confuse their eyes.
Link:/legal/2015-08/10/content_36268368.htm