Is a two-year interest-free car loan really interest-free? First of all, as long as it is a financing company, it will charge interest. No one will do business without funds. Let's assume that the manufacturer or 4S shop pays for you. To put it bluntly, it is also equivalent to interest-free.
What is certain is that the two-year interest-free car loan policy of many 4S stores is true. Generally speaking, these interest-free policies or preferential policies of 4S stores are activities directly done by manufacturers, that is to say, the interest on car loans for two years is borne by automobile manufacturers, and 4S stores are responsible for publicity and promotion. Besides, there are many extra profits for 4S stores. Let's calculate the next account.
We ... 30% down payment and 70% loan. At present, the bank loan interest rate is 3.75%, and the total interest for two years is 37.527 million yuan = 5,250 yuan. This interest is paid by the car manufacturer, but the 4S shop basically does not have to bear or bear part of it. For consumers, friends who feel like real cars know that the extra cost of the whole car loan process is higher than this interest rate, which is actually not dominant.
First of all, when you apply for a car loan, the 4S store will charge a fee, also known as a financial service fee. The cost is generally above 3000~4000. This fee will be charged by the 4S store and will benefit 0 yuan. When you apply for a car loan, you will be asked to install this GPS locator to prevent you from finding the location of your car in time when you can't afford the car loan. In fact, the cost of this GPS is only a few hundred yuan.
Insurance rebate commission Buy auto insurance in 4S shop as soon as possible in those two years. According to the insurance fee that must be bought for car loan, it is about 4000 yuan. Two years is the insurance cost of 8000 yuan. You can get an insurance commission rebate of at least 2000 yuan in this S shop. Vehicle mortgage fee, the charging standard of the automobile industry is generally 1 yuan of the loan amount. Mortgage fee 800 yuan. In fact, the real charge is in 70 yuan, which means the store.
The authorization fee charged by 4S shopping malls is at least. Some 4S stores, especially those with luxury brands, can receive more than 2,000 yuan. Actually, the license fee charged by the DMV is 130 yuan.
As mentioned above, there is an extra charge for car loan. We will pay the total cost of the same level, 30020080080500= 14300 yuan, which is the extra cost that consumers need to pay to the 4S shop, and the profit earned by the 4S shop is at least 7000 yuan. It can be seen that the loan is 70,000 yuan for two years. Although you got the interest subsidy of 5250 yuan for the car loan, you paid 1 ten thousand yuan more for it, so you didn't get any benefits. What really benefits is the 4S shop, which earns at least 7,000 yuan, and the interest on this car loan is still a small part without the 4S shop. It can be said that the 4S shop is lying down to make money. This is why many 4S stores only sell cars to loan customers. If you have no car loan, they won't sell it to you.
To sum up, the two-year interest-free car loan is indeed interest-free, that is, there is no need to bear interest expenses, but there are still many routines that hide extra expenses. You must be careful, measure the gains and losses according to your actual situation, and make a correct consumption pattern.
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Second, is the interest-free car loan really interest-free?
Interest-free car loans are real, but you will definitely be charged a handling fee. Generally speaking, the car loan is rarely two years, and in most cases it is three years, which can alleviate many repayment pressures. Dealers are not stupid. Even if they give you interest-free, they will make a profit. They will waive your interest, but they will charge a handling fee and a service fee. Together, these two items are almost the same as the total interest. The so-called zero interest rate means that consumers only need to pay a certain down payment when buying a car, and the rest can be paid to the lender in installments without paying any interest. Chen Hongsheng, director of public relations department of Dongfeng Citroen, thinks that car loans with zero interest rate and zero down payment are equivalent to disguised car promotion. Different from the situation abroad, China's "zero interest rate" is not a real interest-free loan, and users need to measure whether they can get actual price concessions. " For example, if the user chooses a car with "zero interest rate", the conditions for buying a car with an interest-free loan are: 1. First, you must apply for a bank credit card that can provide interest-free loans to buy a car. If you don't know, you can consult the bank customer service and ask whether the credit card can enjoy the interest-free car loan qualification. 2. After handling the bank credit card, ask which 4S stores can provide relevant interest-free loan activities (note that not all 4S stores can handle interest-free car loan services). After that, you can go to the 4S shop that signed a contract with the bank and ask about the model you need and what car loan preferential activities are available at present. With a valid certificate, the credit card holder will go to the dealer's 4S shop to choose the car model and negotiate all the purchase conditions. Generally speaking, the preferential margin of full car purchase will be greater than that of loan car purchase. Of course, the situation in each store is different. If you are not afraid of hard work and want to save money, you have to work harder and ask for more. After selecting the model, fill in the installment order at the dealer and wait for the bank to review it. 4. After the approval of the bank, the down payment shall be handed over to the dealer for car purchase. It should be noted that the down payment cannot be swiped by the borrower's credit card. 5. After the vehicle is licensed, go through the vehicle mortgage formalities at the credit card department of the borrowing bank. 6. Go through the bank mortgage formalities and pick up the car after receiving the notice from the dealer.
Is it true that 3.4s shops buy cars free of interest?
What is certain is that the two-year interest-free car loan policy of many car 4S shops is true. Generally speaking, these interest-free policies or preferential policies of 4S stores are activities directly undertaken by manufacturers, that is to say, the interest on car loans for two years is borne by the car factory, and 4S stores are responsible for publicity and promotion. For 4S stores, it is of course very happy to promote, and there are many extra profits in it. Let's calculate the next account.
We take a vehicle of 654.38+10,000 yuan as the calculation. The down payment is 30% and the loan is 70%, that is, the loan is 70,000 yuan for two years. According to the current bank car loan interest rate of 3.75%, the total interest for two years is 3.75270000 = 5250 yuan, which is paid by the car factory, but the 4S shop basically does not have to bear or bear part of it. For consumers, it feels like a real discount, but friends who have bought car loans know that the extra cost of the whole car loan process is higher than this interest. In fact, it is not dominant.
4. Is it true that the loan to buy a car is interest-free?
Different banks have different procedures for handling interest-free car loans, but they are all similar. Mainly divided into the following steps:
1. First of all, you must become a credit card holder of the bank and call the customer to ask whether you are eligible for car loan business and the installment amount.
2. Ask what are the current car loan preferential activities for the models you care about, and ask which 4s stores can handle related car loan activities, because not every 4s store is qualified to handle car loans.
3. The cardholder shall go to the dealer with valid documents to select the vehicle type for negotiation. Generally, the preferential service for buying a car with a loan will be less than the full amount of the car, but each store is different. You have to ask more questions if you want to save money. After selecting the model, fill in the installment order at the dealer and wait for the bank to review it.