Trap 1 interest-free loan. The annual handling fee for concealment is 4%
Miss Z went to Guangzhou Automobile Audi 4S store a month ago to buy a car, and the agreed car price was more than 400,000. At that time, the salesperson recommended a car loan to her and claimed to choose the minimum loan amount according to her car price. The minimum period can be 6,543,800 yuan+600,000 yuan a year, excluding interest and handling fees. A few days later, Miss Z received a phone call from the staff of a joint-stock bank, opened a new debit card at the Zhujiang New Town Sub-branch of the bank according to the agreed date, and then went to the credit information center of the bank to sign the agreement displayed on the tablet provided by the staff. A month later, Miss Z went to the 4S shop to pick up the car. The seller said that instead of signing an interest-free loan with the bank, she signed a handling fee of about 4% for three years, 1 year. Since sales have always recommended interest-free and fee-free loans, when the bank clerk asked to sign the agreement, Miss Z said that she didn't read it carefully at that time, and later found that there was a charge. According to the loan amount of 6,543.8+0.6 million yuan, the annual handling fee is 4%, and the annual handling fee of Miss Z is 6,400 yuan, which is 654.38+0.9200 yuan in three years. However, the handling fee charged by the 4S shop is not the interest of the bank, so according to the customer service of the 4S shop, it is indeed an "interest-free" loan. "The bank staff also said that I did sign an interest-free loan. The bank does not charge a handling fee, but it is also a 4S shop." Miss Z proposed to cancel the subscription, but the result was rejected on the grounds that the contract had been signed. When Miss Z contacted the bank, the bank said that there were related products, but they belonged to credit card installment business.
The trap of enjoying interest-free loans must be tied with insurance.
Miss Li had an accident when she bought a car before. Miss Li bought a car. "At that time, the seller said that the manufacturer's own financial company was launching a very favorable car loan plan, with no interest and no mortgage, paying 50% down payment first, and paying the remaining 50% in one lump sum after 18 months." At that time, sales repeatedly stressed that the loan was free of interest, so Miss Li did not hesitate to apply for this auto finance loan. But then, Miss Li was restricted when handling other car pickup business. "The sales of the 4S store indicated that my first auto insurance had to be purchased in the store because of the interest-free loan." Miss Li said that at that time, sales strongly recommended the insurance of an insurance company. "The price at that time was13,000 yuan, which was at least one or two percentage points more expensive than the outside."
Trap: Three Hidden Skills in Credit Card Stage
It is understood that many 4S shops will also promote a car loan method, which requires customers to pay by credit card at the same time. Recently, Ms. Chen (pseudonym) applied for a car loan through the bank. Although she claims zero interest, she still has to pay a certain handling fee. The reporter learned that in the credit card installment car purchase business, the cardholder bears a certain handling fee. This handling fee often includes not only the profit of the mortgage business, but also the interest of the loan, which is just "interest-free". Banks and car dealers are familiar with it. In the eyes of many people, this handling fee sounds very reliable. In addition, many banks will change the handling fee unit in the slogan to days. Therefore, many leaflets with handling fees will only fill in a few thousandths of the fee, but it is still quite a lot. Moreover, if some car dealers' consumers participate in the "interest-free" activities, most of the models they buy can only pay according to the manufacturer's guidance price, and they can no longer enjoy the preferential price of new cars. Even the interest-free amount of some models may be lower than the preferential price of cars.
Million car purchase subsidy