You 1: The bait-and-switch consumer lacks basic automobile knowledge, and even the weakness of the car he bought is often exploited by car dealers, and the profit distribution from it is not clear, so he sold a basic car as a luxury model with a little modification, and even the car dealer of Zhongliang stole the higher-priced parts for cheaper ones. Choosing a large automobile franchise store or a large automobile trading market, which is more professional and has high credibility, can avoid the above situation to a great extent. Trap 2: expand the range of car prices for Sapporo distribution at low prices, and focus on selling high-priced cars, so as to cheat a new car with a special liking, with a minimum of 29,800 yuan. But the car is neither confiscated nor lowered. Finally, after much consideration, she finally bought it at a high price. How much will it cost to buy a car and then go to the auto market? Otherwise, it is easy to fall into the sales tricks of manufacturers and raise the standard of buying cars again and again. Trap 3: Most of the decorations given by dealers with poor preferential water injection contain moisture, and their actual value is often greatly discounted in the standards promoted by dealers, and they are shoddy. A car salesman told reporters that the products presented by some car dealers claimed to be imported or of high quality, but in fact they were cheap products with extremely poor quality. Send ordinary film, floor glue, leather chair XX yuan luxury decoration, seduce consumers. When buying these models, consumers should first consult the car decoration market with friends who know the market better, and see how much the things on these "gift lists" are worth, and then make a choice. Trap 4 deliberately hyped as a selling point, playing a brand with a new concept, and always advertised that "when the technical sales staff recommended the model to Lao Wang, they strongly advocated how the ABS and home theater of the car were advanced, and Lao Wang Xinran placed an order. I didn't know until I asked someone else. Almost all ABS-equipped cars only look at advertisements, consult more professionals, and go to the auto market to learn more about the auto market and auto products. Don't believe everything you tell the car salesman, but don't believe it all either. Trap 5: Price reduction compensation, price reduction compensation, please enter the urn. It's not up to you to make up the money or not. Looking at the banner, Ms. Wu, who was in shock, bought a car with great care and agreed that if the price was reduced within half a year, the dealer would pay the difference of 10000 yuan. Miss Wu found the dealer to ask for compensation, and what she got was a cold sentence: "We said that if the manufacturer reduced the price, we would compensate you. The price is cheaper now, but we are only promoting profits, not reducing prices. Of course, we can't compensate you. "You know, dealers are not fools. They know that there is little chance for manufacturers to reduce prices, but the actual car price is really their own decision, and it fluctuates greatly. So don't trust the verbal promises of dealers. Trap 6: Some dealers renovate foreign "waterwheels" and then sell them at the price of new cars. Huang Yong, who works in IT, happily bought an imported car of a certain brand. As a result, it only took more than two months to drive, and the car became a "problem car" with gasoline but no speed increase and black smoke from the exhaust pipe when going uphill. He asked the dealer for theory, and people said, "You are a waterwheel, and there are no accessories and no warranty in China." At that time, because the dealer promised to buy a car at a price of 48,000 yuan, but did not issue an invoice, Huang Yong had nowhere to complain. Pay attention to two points. First, the "Waterwheel" driving computer displays mostly German, French or Middle Eastern languages; Second, "waterwheels" generally appear in areas where large-scale automobile transactions are concentrated; Also, the "waterwheel" generally has no Chinese manual and warranty manual. Trap 7: Pick up the car in the dimly lit basement. If there is a problem, it will not be discovered by the owner. Mr. Zhao was told to check when he went to the dealer's basement to pick up the car. There is no light in the basement, and the light is dim. Mr. Zhao looked at it and drove away. Not long after, Mr. Zhao found that the engine of the car was rusty and seriously corroded during maintenance. Mr. Zhao thinks it is not his own fault, and the dealer denies that he is wrong. When buying a car, consumers must carefully check the items listed in the handover. Sign it only if there is no problem. Once defects are found after signing, it is difficult to distinguish the responsibilities of both parties. Trap 8: selling "lemon cars" refers to defective cars in the United States. Some "smart" imported car dealers introduced this kind of car into China, and concealed its origin for sale. Recently, Mr. Li just bought an imported new car, which looks brand-new and bright. Unexpectedly, a lot of problems appeared just after driving for a while. Mr. Li quickly sent the car to the garage for inspection. After professional inspection, it was found that this car is actually a "foreign used car" that has been licensed abroad. Pay attention to two points. First, the "Waterwheel" driving computer displays mostly German, French or Middle Eastern languages; Second, "waterwheels" generally appear in areas where large-scale automobile transactions are concentrated; Also, the "waterwheel" generally has no Chinese manual and warranty manual. Trap 9: Zero kilometers Unplug the road code meter and sensor of the test drive, and give way to the road code meter to ensure zero kilometers, and sell it as a new car. This kind of car has actually gone a long way. When you find that the car you bought was opened by a salesman and you plugged in a wire you don't know, the answer is to adjust the clutch cable and so on. So the trap is already under your feet? . Look at the tires: the tires of the new car at zero kilometers are completely wear-free. Second, look at "leakage": the so-called "leakage" refers to the phenomenon of oil leakage, water leakage and air leakage after a certain mileage. Trap 10: Some dealers will take advantage of the complexity of loan procedures and calculation methods and consumers' lack of necessary understanding of car loan knowledge to earn ill-gotten gains. When buying a car with a loan, the dealer deliberately overcharged and did not provide the consumer with a bank loan contract. For another example, when buying a car with a loan, the operator forces consumers to borrow money from a designated bank or insure with a designated insurance company, and charges a high handling fee. First of all, we must know from what aspects businesses can take advantage. When buying a car with a loan, carefully check the relevant terms of the car sales contract, then ask every link to the end, and then sign and seal the contract terms after the two sides have no dispute. Trap 1 1: The price increase of tight models has always been an open secret of the automobile market. There is also a time lag between the launch of new cars and mass supply, which attracts consumers to queue up for appointments and sell cars at higher prices. Mr. Zhu has been paying attention to a popular car that has just been listed. Dealers put forward that the price must be increased by 50 thousand yuan for various reasons such as insufficient production capacity and too many orders, otherwise it will take at least 5 months. Mr. Zhu added 50 thousand yuan and lifted the car with a stamp. Later, it was found that another colleague of the original unit also bought this car, but he didn't add a penny to the car. Search for the arrangement plan of the new car manufacturer with price increase, and you will find that its huge production plan and insufficient supply are completely impossible. Individual fare increases are totally hype, and there is absolutely no need to give your hard-earned money away to others. Trap 12: selling a car in the name of a group buying scam, actually having no car, making money by group buying, leaving the bag for safety and running away. Although it is a case, it is worthy of vigilance. In July last year, a car dealer named "Huasheng Ye Feng" lured consumers to pay the full amount of car purchase under the banner of low price and group purchase, but failed to provide vehicles as agreed in the contract and refused to refund. 32 consumers were deceived, and nearly 3 million car money could not be returned. We must be wary of low-priced advertisements that obviously do not conform to the law of market prices. Ask more why: In the process of buying a car, you must ask your own questions and explain the situation clearly. You can't let it go, or let the seller take the initiative. Trap 13: Buy-out sales A few businesses use this as a cover to label their stock cars as "Buy-out sales" for promotion. Xiao Li is usually a cautious person and will think twice about buying a car. Catch up with a dealer in speculation, he bought out a certain model and sold it at the lowest price in the country. Xiao Li thinks it's time to act. I don't want to buy my car home and find that the production date of this car was a year ago. It is not too late for consumers to fully understand any promotion methods including buyout sales through various channels. Trap 14: "one-stop" service does not specify the specific price of each link of "one-stop" service, but gives a vague total price to make a fuss. Mr. Zhang bought a family car from a second-hand dealer. For convenience, Mr. Zhang chose the one-stop service mode of the merchant, agreed on all the car purchase fees with the merchant and signed a contract. Merchants verbally promised to "retreat more and make up less". But in the end, Mr. Zhang found that the sum of all car purchase expenses is actually higher than buying a car in a 4S shop. Clear consumer contracts. In fact, licensing fees, insurance fees, etc. Can be calculated more accurately. There may be errors in insurance, but generally the difference will not be too big. Trap 15: Refurbishment of used cars In some automobile markets, a few car dealers often repair the crashed vehicles and sell them to customers in the name of new cars. Mr. Wang spent more than 200,000 yuan on a car. During the use, he found that there was water mist on the right front headlight of the vehicle and a tire on the rear wheel was crushed. So he asked the dealer to change cars, but he was pushed around by the other party. Soon after, the car was sent to the maintenance station because the air conditioner was not cooled. The inspector looked at it and told the owner that it was a crashed car. The first thing to identify a refurbished car is to look at the cleanliness and smoothness of the exterior paint; The second is to listen to whether the engine makes noise when it is ignited. You can also ask friends who know cars for help. Trap 16: buying foreign cars "car bugs" sells foreign cars under the banner of low prices. In fact, there are refurbished cars and accident cars mixed in, and there is no guarantee after sale? . A "car bug" revealed that foreign cars are transported from other places by scooter, but in fact, many cars are directly driven from other places after unplugging the odometer, which can save a lot of freight. Foreign dealers usually tear up the first page in order to cope with the inspection by the manufacturers, so it is not easy to claim for foreign cars. If it is not because of special circumstances or vehicle quality problems, consumers should try not to buy foreign cars. Trap 17: entrust an agent to handle the mortgage, pay the fee, and finally abscond with the money, which goes up in smoke. When Ms. Wu bought a car, she applied for a mortgage loan and entrusted an intermediary through the dealer. I didn't expect this intermediary to finally take away hundreds of thousands of bank loans. Ms. Wu doesn't know who should be held accountable. After Mr. Lu bought a car, he also encountered such a situation by entrusting others to pay the travel tax through the car dealership. Pay attention to the examination of the relevant qualifications of the trustee, and it is best to sign a written entrustment contract to clarify the rights and obligations of both parties. Especially when you delegate. Trap 18: make up a beautiful lie about buying a car online, lure you in at a low price, and then blackmail you step by step? . Mr. Wang took a fancy to a low-priced car on the Internet. After consulting the other party by email, he was convinced of its authenticity and decided to buy it. /kloc-after the remittance of 0/000 yuan, the other party repeatedly asked Mr. Wang to remit money for various reasons. After the total remittance exceeded 50,000 yuan, the other party's phone stopped. Mr. Wang didn't know that he had been cheated until now. If it is not because of special circumstances or vehicle quality problems, consumers should try not to buy foreign cars.
I bought this car with a loan, and it can be used for another two months. I want to go somewhere else. Can I return the insurance? What formalities do I need?
The car loan you bought needs to be paid back, and then the insurance may be stopped. Consult the insurance company for details. Then the beneficiary of the car that the loan may buy is the bank, which may need to be discussed with the bank. In this case, the operation is very troublesome.
I bought this car with a loan, and it can be used for another two months. I want to go abroad. Can I get an insurance refund? Yes ...
When buying a house from a foreign household, bank mortgage must provide proof of no room and proof of income (tax payment certificate or social insurance for more than one year), and some banks require civil servants to guarantee. After paying the down payment, you can apply for a mortgage loan.
4. Can I extend the decompression time in the field after paying off the car loan in the last month?
If the loan handled by China Merchants Bank has been settled (including early settlement and natural settlement), it is generally necessary for the borrower to go to the relevant local departments to cancel the mortgage registration and obtain relevant documents. The specific processing time, process and whether it can be extended vary from branch to branch. It is recommended that you contact the loan handling bank or the post-loan service center for local policy consultation.