Is there any routine for car loan interest-free for 2 years?

What is the two-year interest-free routine for car loans? According to different regions and different 4S stores, the routines will be different. The following are some of the most common: 1. Handling fee. The loan is indeed interest-free, but it requires a high handling fee. It is usually 4% to 5% of the loan amount. And the money needs to be paid together at the time of down payment. To put it bluntly, car dealers ask consumers to pay another handling fee in order to make up for the losses. In fact, it is a way to collect interest in disguise. 2. There are no other proposals. For example, 4S stores are engaged in activities, no matter what mode, there is a preferential margin of about 20 thousand yuan, but if you choose interest-free loans, you can't participate in preferential activities. Crucially, sales can't tell consumers to discount. Consumers are always kept in the dark, thinking that they have a deal, but it may increase the cost of buying a car. 3. Bundle sales. If you buy a car without interest, you must buy some products. For example, buy car decoration, car insurance and so on in the store. 4. Word games. It is said that it is interest-free, but in fact it is only exempted for one year, and the interest for the remaining year will be very high. What I said above will only be written in the contract, and the salesperson will not take the initiative to say it.