Now Audi Q3, Audi Q5, Audi A6, Audi 44 and other series models have interest-free loan concessions. According to the data given by relevant institutions, users can enjoy a maximum interest-free discount of 2, yuan when applying for Audi series models. However, users need to go to the 4S store to apply, and they cannot apply at the bank.

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1. In 221, there were indeed many financial institutions that offered car loans with zero down payment and three years interest-free in order to attract users, but it did not mean that applying for car loans in 221 would be 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 the user applies for an interest-free loan in a 4S shop, then it is likely that he can 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 money. If you apply for a three-year interest-free loan in a 4S shop, you may need to buy a variety of insurances such as auto insurance, burglary and compulsory insurance, and various expenses such as car accessories and vehicle maintenance may need to be bundled with the 4S shop. Some 4S stores even note in the contract that the owner needs to pay a certain "service fee" to the 4S store every month.

second, in 221, if users want to apply for interest-free car loans, they must first control their debt ratio. According to the relevant regulations, banks and other financial institutions pay more and more attention to the debt ratio of car loan applications. If the debt ratio of the applicant exceeds 4%, it is difficult to apply for interest-free loans. On the other hand, if the borrower's debt ratio does not exceed 4%, the possibility of applying for an interest-free loan will increase a lot. In addition, it should be noted that the amount of car loan itself is also included in the debt ratio of 4%. Of course, increasing the down payment ratio can also improve the success rate of users applying for interest-free car loans.

third, 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. Therefore, the following is calculated according to the one-year benchmark interest rate, that is to say, the car loan interest rate in 221 is about 4.2%-4.7%. If users apply for a car loan in a 4S shop, the interest rate may be higher.