Is it so good to buy a car loan 0 interest rate?
In order to obtain more orders, in recent years, 4S stores across the country have launched various promotions to attract consumers' attention. One of the more tempting aspects is that there is no interest in paying for the installment of a car, which is very suitable for people who do not have enough money to buy a car. Many consumers have seen the interest-free eyes are bright. Is there such a good thing? In actual fact, 4S shop to buy cars "interest-free" tricky.
First, "Interest-free" tying high-priced car decoration
According to industry surveys, some 4S shops require that car buyers must purchase car interior decoration. If it is a one-time payment to pay the full amount of money, then this set of car interiors can offer 8,000 yuan. If you need a loan to buy a car, you must purchase this decoration at the original price. In other words, the difference of 8,000 yuan can be considered as the interest payment for this car. However, some sales staff explained that “the loan is free of interest and handling fees. It can only be said that if the loan is for a car, you cannot enjoy the 8,000 yuan for the car decoration discount.†On the body."
Second, "interest-free" hidden fees
At the end of the Lunar New Year, many car sales 4S stores all advertised "zero interest rate" or "interest-free" car purchases. In fact, the "zero interest rate" loan is not new. It is a car loan business jointly launched by automobile manufacturers and banks or auto finance companies. However, in actual operation, automobile dealers often require consumers to pay a handling fee in order to make up for their losses. In fact, this is also a way to collect interest in disguise.
When buying a car, if the car purchaser does not take root, few sales staff will take the initiative to explain the handling fee. Consumers may neglect the content if they are negligent, and lead to a disadvantage after signing the contract.
Third, "interest-free" car prices no discount
Some auto manufacturers, after providing excellent treatment for “interest-free†loans, often make a fuss about other promotional policies and require that the same model can only participate in a preferential policy. Many models will have the above price discount in years, but if you participate in the "interest-free" payment, you can not enjoy the car discount activities.
Editor's Note: Xiao Bian suggested that if the purchase price is sufficient, don't use an "interest-free" loan to buy a car. It is very likely that you will be fooled by the 4S store. If your money is to be turned around in the business, you should carefully look at the contract carefully when choosing an “interest-free†payment.
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