Case 1: "Interest-free" comes at a price.
Buy Yue Feng and Cheng Jing, pay 50% down payment and enjoy one-year interest-free mortgage; Buy Camry and Mondeo to win and enjoy "zero interest rate interest-free loan"; Even if you buy BMW or Mercedes-Benz, you can enjoy zero interest rate service. After the car zero-interest loan swept the market two years ago, many brands have carried out the "zero interest rate" to the end this year, and there is a tendency to continue to spread in the car market. Undoubtedly, "interest-free" makes many people who can't afford a car have the impulse to buy a car. However, is there a trap behind this ratio of value for money?
Explanation of the trap:
A staff member in charge of the loan business of Guangdong Liangce Investment Guarantee Co., Ltd. told the reporter that "interest-free loan" is not a big cake. Consumers must measure their economic situation and make rational choices when buying a car. She pointed out that "interest-free loans" may be accompanied by high handling fees and high loan car purchase quotas, and consumers should pay attention to three points when choosing.
First, the interest-free loan amount does not rule out the suspicion that it is higher than the purchase price of ordinary loans, because at present, the models with preferential interest-free loans are basically sold at market guidance prices.
Secondly, the current car loan fees in the market range from 4% to 7.5%, and the proportion of car loan fees charged by different banks and different brand dealers is quite different. For example, some models of Dongfeng Nissan have a two-year handling fee of 4.5%, and some brands have a handling fee as high as 7%.
Third, the auto interest rate of auto financing companies is generally based on the bank's benchmark interest rate, and then rises by 10%. A family car with a loan of about 65,438+10,000 yuan has a three-year interest of nearly 65,438+10,000 yuan, which is not cheap.
The staff member pointed out that if the handling fee can be controlled at a low level when choosing different channels to buy a car, then it is more realistic to buy a car with loans such as "zero interest rate".
Case 2: "Bundle Sales" Promotion
When Mr. Wang bought a new car of 1.8 million yuan in a brand car shop, the sales consultant recommended the preferential loan car purchase scheme of "1 yuan auto insurance, 0 interest rate" launched by the brand, and provided him with multiple preferential packages, provided that Mr. Wang had to go to the store to apply for licensing and purchase insurance. After careful calculation, Mr. Wang found that although the preferential package offered by this brand includes loan interest rate of 0 and 1 yuan insurance, only one of them can be selected. At the same time, although "1 yuan auto insurance" includes the benefits of motor vehicle theft and third party insurance, it actually needs to be accompanied by other commercial insurance, plus the additional conditions of other loans to buy a car and the car loan fee, which actually costs nearly 10,000 yuan more than buying a car in full at one time.
Explanation of the trap:
As a dealer, in order to earn more profits, the most common way for consumers to handle some "preferential" car loan business provided by brands is "bundled sales". For example, if you apply for a loan to buy a car, you must buy all insurance through the company at the same time, and even buy some boutique gift packages. Among them, in addition to earning a certain fee and rebate for car loan business and insurance business, dealers can also earn a certain fine profit. Therefore, when consumers buy a car, they must first learn to compare various car purchase schemes. In particular, it is pointed out that the general sales staff have certain authority to reduce the cost of car loan procedures, so when handling car loan business, the loan cost, insurance and other expenses should be "landed" with the sales staff one by one.
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Car loan: 4S shops and banks have their own advantages.
Loan to buy a car, choose a bank or a 4S shop? In fact, the two ways of handling car loan business in 4S shop and going directly to the bank are the same as the reasons why car owners choose 4S shop or handle new car licensing and insurance themselves.
Apply for the program "PK" first. Banks have strict requirements on the income, collateral and other assets of car loan applicants, as well as cumbersome procedures such as local citizens' guarantees and real estate licenses; Relatively speaking, the standard of lending to banks or auto financing companies through 4S stores is much looser. For example, the car loan business promoted by some Buick brand dealers "does not need guarantees and local accounts", which greatly lowers the threshold.
Secondly, the approval procedure "PK". The biggest advantage of lending to banks or financial companies through 4S stores, especially auto finance companies such as GM, Toyota and Volkswagen, is the speed of approval. Generally speaking, loans can be granted in about three working days; It takes a week or more to borrow money through a bank, and it will take longer if the information in the asset certificate is incomplete.
Finally, there are no restrictions on the types of cars that banks can borrow, while 4S stores only provide car loan services for their models. Generally speaking, the prices of models with loans in the mainstream market are above 654.38+10,000 yuan. At present, some brands have reduced the loan car purchase price to about 80,000 yuan.
Generally speaking, the procedure of obtaining loans from banks or auto financing companies through 4S stores is simpler, but the cost is higher. It is more troublesome for customers to choose direct bank loans, but the cost is much lower.