At present, great changes have taken place in domestic consumers' concept of borrowing and loan, as well as the financial leasing mode of separating ownership and use right, which provides a broad market space for the development of automobile financial leasing.
Automobile financing lease is not only the product of the development of automobile finance, but also the demand of the development of automobile market. This new car purchase mode, called "purchasing by rent", is different from the general car purchase mode of financial loans. The biggest difference of financial leasing mode is that it separates the right to use and ownership of cars. Because the down payment of this model is reduced, it attracts users who are short of funds, and consumers can choose between "rent" and "buy" flexibly according to their needs, which greatly reduces the difficulty of car purchase funds.
Rent before buying? Financing lease low threshold car purchase?
Ms. Yang is going to buy a car recently. After consulting, she found that several colleagues around her got new cars through financial leasing. A colleague successfully got a favorite car through financial leasing 1 years ago, and just finished the transfer formalities last month.
Under the introduction of colleagues, Ms. Wang realized that car financing lease is a financing method of car purchase by stages, which is lower than the consumption threshold of full payment and traditional installment. Different from the traditional installment, the traditional installment can get the vehicle title certificate by paying the down payment, but the car financing lease will temporarily separate the ownership and the right to use through the first year of lease, thus achieving a lower threshold for car purchase.
Specifically, if you buy a car through financial leasing, the first year is the lease period, and the property right of the vehicle belongs to the financial leasing company. At the end of the one-year lease period, the user can choose to pay the final payment in one lump sum, or apply for an installment loan to pay the final payment in three years. Both methods can complete the transfer, greatly reducing the pressure on consumers to pay a large amount of car purchase fees at one time. ?
As Ms. Yang has experienced, if you look closely, you will find that in fact, more and more people around us have started to buy cars in the form of financial leasing.
The low-threshold car purchase method is very suitable for people with little money on hand and stable expected income in the future, especially young people in third-and fourth-tier cities. Generally speaking, there is little pressure in life, but the demand for quality of life is increasing day by day. Driving a new car with a low threshold, the monthly pressure is not great, and besides returning the car, they can also save some for a rainy day, which is very suitable for young people who just work.
It is precisely for this reason that car financing leasing has been liked by white-collar workers in first-and second-tier cities from the beginning, and gradually tried by young people in third-and fourth-tier cities. Now everyone is trying this new financial car purchase model by word of mouth.
Customers in the sinking market below third-tier cities generally have low income, unstable income and average assets. These reasons lead to the fact that most customer groups are not suitable for full car purchase or car loan purchase, but are more suitable for car purchase with low down payment, low threshold and flexible scheme, which not only alleviates the credit problem of consumers, but also lowers the threshold of car consumption. Financial leasing has become a "good prescription" to penetrate the sinking market of automobiles.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.