With the development of society and the rise of various interest-free policies, it is easier and easier for people to borrow money. Various loan policies have indeed stimulated consumption, but they have also made many consumers lose their way and spend impulsively, and eventually they can't even afford the loan, and their lives have become a mess. It is very common to buy a car with a loan. In order to lower the threshold for buying a car, many places have even introduced a car purchase policy with zero down payment. On the surface, you can take the car home without paying a penny, but in fact there are many routines.

Xiao Sun of Shandong started a car with zero down payment on a car buying platform? Volkswagen LaVida was very happy when it picked up the car, but now it is not happy. Because after calculating this economic account, I found myself cheated a lot of money. Xiao Sun bought this LaVida bare car for only 1, yuan after the talks, but the final landing price was as high as 155, yuan, and the loan period was three years. If you buy it in full, the landing price of a car with 1 thousand yuan will be about 12 thousand. If you take a 4S shop loan normally, the landing price of the loan will not exceed 13 thousand in three years. Why did Xiao Sun buy it so expensive?

later, after many inquiries, we knew the routine. At present, when buying a car through formal channels, the down payment ratio of the car is generally not less than 3%. In order to get as many loans as possible, the zero down payment car purchase adopts a means of stealing the column. A car with a price of 1, yuan will cost 19, yuan, so if the car price is 19, yuan, if the loan is 7%, the maximum loan can be more than 13, yuan, which realizes zero down payment for car purchase.

However, if the fare is 19, yuan, the purchase tax must be paid according to the car price of 19, yuan. Originally, the purchase tax was less than 1, yuan, but now the purchase tax is 16,814 yuan, which is completely borne by Xiao Sun. Moreover, the insurance fee is also calculated according to the car payment of 19, yuan. In the second and third years, the insurance must also be purchased from the car platform. Theoretically, the insurance fee for the second and third years will be greatly discounted, but it will not be purchased from the platform. The insurance fee for two years is about 7, yuan more expensive than buying it from outside. The handling fee of the loan is 8, yuan, and the interest of the loan of 1, yuan for three years is about 16, yuan.

although the car payment is zero down payment, the purchase tax, insurance and handling fees need to be paid first, totaling 31,614 yuan, and the monthly payment is 3,222 yuan, which will be paid off in 36 installments in three years. After the loan is paid off, the total landing price is close to 155, yuan, which is nearly 3, yuan more expensive than the full car purchase. There is no way to do this. To enjoy a low down payment on a car, you have to accept his high loan interest. You can't have your cake and eat it.

Now many regular 4S stores have also introduced the zero down payment car purchase policy, and the manufacturers will give some subsidies. The interest may be a little lower than that of this LaVida bought by Xiao Sun, but the wool is on the sheep, which is still much more expensive than the full payment or small loans.

Pony personally thinks that he can buy a car as much as he can. In fact, 3% down payment is low enough. If you really can't even get this 3% down payment, then I feel that you don't need to buy this car at all. You should choose to continue saving money or lower the price of a car, and you will be swollen and fat. Although the loan is convenient, you have to pay it back sooner or later.

The above content is Pony's personal opinion, and I hope it can help you. Are there any people around you who buy cars with zero down payment? Do they regret it now? Welcome friends to comment in the comment area below and tell the stories you have heard.

This article comes from the author of Chejia, car home, and does not represent car home's standpoint.