Zero down payment, buying a house in 0 yuan is not a pie falling from the sky. Car dealers don't do business at a loss.
There is no pie in the sky for no reason, and there is no free lunch in the auto market. The competition in the automobile market is fierce, not a free lunch, but a way of promotion.
I remember that some consumers called to complain to reporters before, thinking that the merchants said that the zero down payment was not really free to pick up the car, and that the merchants did not honor their promises.
In fact, this move by car dealers is not much different from its price reduction. Car dealers offer zero down payment, but divide the down payment into several months. look
It seems that you are not required to pay in one lump sum, but in fact you are not underpaid. It's just that the object of collecting money is the bank, not the car dealer, and there are some interests. This is especially true of zero interest rate. It seems that I have paid less for buying a car at the garage 1 year or not.
Three years' monthly interest, but at a price. First of all, gifts are not allowed.
You don't need to do the work yourself, such as the right to quality goods, buying insurance for cars, licensing, etc., just pay the money. Why? Because insurance and licensing fees are higher than their own.
It's much more expensive to do. Since you enjoy the interest-free benefits, you have to give them to the car dealership. Of course, the most important thing is that you choose a car and go to a dealership.
There is not much say in bargaining. Car body price is much more expensive than one-time payment.
Since you can't earn your money from interest, earn it from sales links, car prices and so on. You can't lose money when selling cars, especially when selling cars with zero interest rate and zero down payment. This is the absolute rule of this industry.
Of course, it is undeniable that the policy of zero down payment and zero interest rate introduced by auto dealers is really aimed at those who want to buy a car, but the money is not enough.
Car owners who are unwilling to bear interest provide convenience. As a way for merchants to promote automobile sales, in the increasingly mature automobile market, there will be more policies to facilitate car purchase in the future.
Whether it is car loan or insurance, the policy of the merchant may be closer to the needs of consumers and more humanized, but one thing is clear: car dealers will not buy at a loss.
Sell. Consumers don't expect a free lunch in the auto market. Even if you eat a free lunch, you have to pay a certain price.
Do you believe such a free lunch? There is no money for down payment and zero interest for monthly payment. Since the beginning of this year, the sales of Dongguan automobile market have encountered certain difficulties because banks do not
When the interest rate increases, consumers are more sensitive to the down payment and the interest on car supply. Merchants have introduced "zero down payment" and "zero interest rate" policies for car purchase. 、
There is no need to pay loan interest, and there is no need to prepare a down payment for the car. As long as you buy a car by installment every month, you can easily drive it home without spending a penny on it. Is there such a free lunch in the car market?
The reporter found in the investigation that this is not the case. Buying a car with zero down payment and zero interest is not a pie that falls from the sky. Zero interest rate: zero interest rate: mainly for slow-moving cars or inventory cars.
Since last year, Chevrolet merchants in Dongguan have launched the purchase of Le Feng and Cheng Jing, and enjoyed a one-year interest-free mortgage with a down payment of 50%; Buy Volkswagen sagitar and enjoy "zero procedures,
Zero interest rate "and other policies. The reporter learned from a number of 4S stores in Dongguan that launched zero-interest loan car purchase service that this "first enjoy and then pay" car loan method has really attracted many customers. "Cars can enjoy 3
Interest-free loan in 2008, the interest on the loan to buy a car is paid by the company; Only pay 1.68 million yuan and drive the car home directly. At present, many car dealers in the auto market have advertised that they can enjoy zero interest on loans. Yi Jia 4S
The store's credit specialist took the loan to buy a car of 6,543,800 yuan as an example. With a down payment of 30,000 yuan and a loan of 70,000 yuan, consumers can drive away at the scene. According to the current interest rate of auto brand finance companies, 3
The annual interest exceeds 1 1000 yuan. Can this part of interest really be exempted? The answer is obviously impossible.
An industry insider who does car loan business revealed that the models that enjoy zero-interest loans are generally limited to the company's slow-moving models or stock cars, and it is impossible to enjoy hot-selling models.
Through such a policy. Zero interest is actually the offset of the car price. Consumers can often enjoy a large preferential margin when they buy a car in one lump sum. But if you buy a car with a loan, you can't enjoy the discount.
The interest-free strategy of car purchase has developed to the luxury car market. Recently, Mei Dong 4S store in Dongguan launched a Lexus IS luxury coupe, which is free of interest and monthly payment, with a down payment of 220,000 yuan. The down payment is 6,543,800 yuan+0.4 million yuan for daily supply.
360 yuan can drive the lexus ES350 home. For some models, the car dealership has also introduced a down payment of 50% of the car price, which can enjoy the interest-free and monthly payment of1/kloc-0.
The reporter learned from many Dongguan dealers such as Shanghai GM, FAW-Volkswagen and Changan Ford that the so-called zero-interest car purchase is actually a partial discount for car dealers.
The interest rate method is for consumers who borrow money to buy a car, so on the surface it is a zero-interest loan to buy a car. In addition, some businesses adopt the interest-free policy of 1 year, and car loans in the following years.
The policy of paying interest as usual. In fact, when adopting the zero interest rate policy, consumers can't enjoy the price concessions of this model, and the fine products such as steering wheel cover, seat cushion, reversing radar and sunshade film can't be obtained for free.
In addition, car damage insurance, theft insurance, commercial three-person insurance, compulsory insurance and deductible insurance purchased by consumers when they borrow money to buy a car cannot be purchased by themselves and need to be passed.
Car dealers buy on their behalf. In fact, consumers benefit from zero interest rate, but other benefits supplement the interest loss of businesses. Zero down payment: zero down payment: the car dealer transfers the payment method.
In addition to zero-interest loans to buy a car, there are zero down payment loans to buy a car in the auto market. The reporter learned from Shanghai GM Dongguan Zhicheng Car Shop that this time Dongguan took the lead in launching zero.
For the down payment car dealers, the car loan method only shifts the payment method. The down payment has changed from the original one-time payment to the current monthly payment.
Dongguan Zhicheng Buick Credit Commissioner said that his company cooperated with ICBC Dongguan Branch to launch the zero down payment strategy for Excelle series models. That is, the car that originally required a down payment of 30,000 yuan, now this 3
The consumer mortgaged 10 thousand yuan to the bank. Plus 70% monthly payment. The down payment is given to the bank and the balance to the auto financing company, which reduces the pressure of one-time down payment.
It is understood that at present, there is also a business of replacing used cars with zero down payment in the automobile market. It is another car loan business for many car dealers to directly offset the down payment of new cars with the residual value of old cars. If the owner uses an old Bora used car, the replacement price is 14.
Ten thousand yuan new Bora. A used car is valued at 60 thousand, and the minimum down payment for this car is 4.
More than 10,000 yuan, the owner does not need to prepare a down payment. In addition, with real estate as collateral, consumers can drive away without down payment, which is actually the bank's "mortgage-to-mortgage" business.
The insiders believe that, in fact, according to the "Measures for the Administration of Automobile Loans", the loan amount of the lender for the self-use car shall not exceed 80% of the price of the car purchased by the borrower, that is to say, the minimum down payment of the car loan for consumers shall not be less than.
20%, no down payment allowed. It is understood that there is currently no bank in Dongguan that has car loan business.
Mainly the payment business of auto finance companies, and launched the zero down payment car loan business. For zero down payment, auto financing companies or car dealers will cooperate with banks again to transfer payment methods. "Zero down payment and zero interest rate" can save cash expenditure.
"Zero down payment, zero interest rate" merchants launch zero down payment and zero interest rate, which is actually a disguised promotion. The introduction of zero down payment and zero interest rate by merchants is actually a disguised promotion.
With more and more auto dealers offering auto loans with "zero interest rate", especially mature auto financing companies abroad, buying a car with a zero interest rate loan is a foreign car sale.
The usual way to promote sales, but China's "zero interest rate" is not a real interest-free loan. Because many new Wan Ren "zero down payment and zero interest rate" to buy a car, can avoid the guarantee and real estate mortgage, save a lot of twists and turns.
It is understood that the "1 yuan auto insurance" project recently launched by FAW-Volkswagen will once again expand the auto finance business. It is reported that after the launch of this activity, consumers can purchase sagitar manual transmission models at the same time for only 1 yuan.
1 year's three major auto insurance (theft insurance, car damage insurance and three insurances). According to professional analysis, the investment boom has been heating up in recent years, and some consumers who want to buy a car will find it difficult to choose between investing and buying a car. If you invest a large sum of money at one time
Capital, car owners may have cash flow problems. Therefore, buying a car with "zero down payment" and "zero interest rate" has become an effective way for consumers to save cash. 、
This is especially true of zero interest rate. Buying a car in a car dealership, 1 or 3 years seems to pay less monthly interest, but there is a price to pay. First of all, you must not enjoy the essence of the gift.
You don't have to do a series of work, such as buying insurance for the car, licensing and so on. , just pay. Why? Because the insurance and license fees are higher than your own.
It's much more expensive. Since you enjoy the interest-free benefits, you have to give them to the car dealership. Of course, the most important thing is that you ask the car dealer about the choice of car.
Counteroffer doesn't have much say. Car body price is much more expensive than one-time payment.
Since you can't earn your money from interest, earn it from sales links, car prices and so on. You can't lose money when selling cars, especially when selling cars with zero interest rate and zero down payment. This is the absolute rule of this industry.
Of course, it is undeniable that the policy of zero down payment and zero interest rate introduced by auto dealers is really aimed at those who want to buy a car, but the money is not enough.
Car owners who are unwilling to bear interest provide convenience. As a way for merchants to promote automobile sales, in the increasingly mature automobile market, there will be more policies to facilitate car purchase in the future.
Whether it is car loan or insurance, the policy of the merchant may be closer to the needs of consumers and more humanized, but one thing is clear: car dealers will not buy at a loss.
Sell. Consumers don't expect a free lunch in the auto market. Even if you eat a free lunch, you have to pay a certain price.
Do you believe such a free lunch? There is no money for down payment and zero interest for monthly payment. Since the beginning of this year, the sales of Dongguan automobile market have encountered certain difficulties because banks do not
When the interest rate increases, consumers are more sensitive to the down payment and the interest on car supply. Merchants have introduced "zero down payment" and "zero interest rate" policies for car purchase. 、
There is no need to pay loan interest, and there is no need to prepare a down payment for the car. As long as you buy a car by installment every month, you can easily drive it home without spending a penny on it. Is there such a free lunch in the car market?
The reporter found in the investigation that this is not the case. Buying a car with zero down payment and zero interest is not a pie that falls from the sky. The so-called full loan of handling fee and car price is just a gimmick, a gimmick of overdraft credit.