See how used cars play financial leasing.

Second-hand car financial leasing is a popular "rent-to-purchase" model for second-hand cars in developed countries such as Europe, America and Japan, which is equivalent to buying a car by stages. Different from the customer's own purchase, when financing leasing, the financing leasing company buys the car on behalf of the customer and leases the car to the customer for use. Customer 1-3 years pays rent every month. After the rent payment is completed, the ownership of the car is transferred from the finance leasing company to the customer, or it can be sold back to the rent, that is, the customer license is obtained first, then mortgaged to the finance leasing company, and the mortgage is cancelled after repayment.

Compared with bank mortgage, this financing product with low down payment, low monthly payment, repurchase guarantee and asset preservation has obvious advantages.

1, the threshold is lower. Banks require a series of objective conditions, such as local real estate, excellent credit information system records and high loan vehicle prices.

2. Packaging and leasing methods. Chuangfu financial leasing company can take the naked car payment, license fee, insurance and other taxes and fees as the installment payment object; This way reduces the burden of down payment for customers and makes customers have more money for investment and financial management.

3. Invoice the rent. Rent is a kind of expense, which can be used as a voucher for reimbursement of car stickers, and can also be used as a basis for enterprises to make accounts, reducing corporate income tax, especially suitable for corporate customers.

4. This is a lease, and the repayment record will not directly affect the personal credit record. And all the records of bank mortgage are included in the personal credit information system.